Category: KFZ-Versicherung Forum

Hello, I have been working as a courier driver in part-time for a few days and I want to sign the following item on the deductible in the employment contract: “In the case of vehicles damaged by negligence up to 300 euros, with external damage up to 500 euros deductible.” I have read that at least slight negligence should be excluded. In the case of gross and medium negligence, a deductible is common, right?

Hello guys, my car was hit by someone on 23.05.2012. The damage is considerable, my vehicle was no longer ready to drive, according to telephone information from the expert a total damage. My car was parked and I only learned this from the phone from the opposing insurance company (HUK-Coburg). The insurance immediately initiated the towing and got me a rental car. The car was towed to a partner workshop of the insurance company and presented there to an expert. I have returned the rental car on 30.05.2012 and informed the insurance company that I would like to claim loss of use from now on. I also informed my insurance company (HUK24) about the damage, but no more. Now the report is still pending. As far as I have informed myself, it may happen that the insurance officers can find quite one-sided valuations. Of course, I want to get the best possible solution for myself. How do I proceed now? Some questions: 1.) Do I turn to our legal protection insurance and consult with a lawyer? Will he then hire an expert “in our interest”? Will I also get usage loss over this time? 2.) Do I have to register my car or wait for the report first? 3.) Can I have my car transferred to my home town at the expense of the opposing insurance? Thank you!

Hello! My mother is SF 35 and is now retired. I (born 1986) have a driving license since 2004 and have also been registered as a passenger with her insurance (huk normal) since 2004. I want to buy my first own car now at 27 and also be a policyholder and holder. So far I had not needed one. Desired insurance is actually HUK24. My mother keeps her car. The insurance offers to transfer SF discounts from parents to children. However, quote: The other person must agree to the transfer of the damage-free discount and give it up completely. A return transfer is then no longer possible. The use of the vehicle of the other person by you must not be longer than 12 months. The damage-free time can be counted maximum for the period in which you are continuously in possession of the driver’s license. I think this is similar with other insurance companies. I have a be found nothing despite some Googlens.

Hello, in mid-November I had an accident without fault. At the roundabout one took my way. Damage at my front right, fender, light, bumper and various small parts. Replacement value 3.500 € Repair costs without VAT. 2.000 € Everything went through a lawyer, on 18.12.13 I got the 2,000 € from the insurance. Since we went on holiday over Christmas, I wanted to bring my car next week, so at the beginning of January in the workshop to the Yesterday afternoon, another one took the lead at a crossroads and drove me frontally into the passenger door, so I was not in debt again. On Tuesday, I have an appointment with the expert, who will take the old damage at the front right. If this is deducted at the new replacement value, because the car was not “complete” at the time of the accident.The new replacement value would be 3.500€ – 2.000€ = 1.500€ With the new damage I assume total economic damage, door, column, frame etc. How is this calculated then, I wanted to bring my car to the workshop next week. After the repair the replacement value would be higher again. I am concerned that in the end I will not only get 100 € and then can see how I can have the new damage corrected or buy new car, with 100 €. Or in this case I have the absolute value of 100 €. A* card drawn and I was guilty of going to the Christmas holidays and not to the workshop? Would be great if someone knew and had a clue and would like to tell me his knowledge 😉 Greeting Chris

Good day and happy new year , I am from 01.01.2014 in SF4 and pay now monthly 96€ with an annual driving performance of 30,000km VK500/ TK 150. I have now seen in the insurance configurator that there is a discount protection for HF and VK (should you take both or with a VK insurance only the VK discount protection ?). I now do not really know whether you need both discount protectors or only for VK or only for liability. The contribution increases with HF RS (discount protection ) to 1 06€ monthly and with both at 116€ monthly. If I have no discount protection I would fall back to SF 2 according to the downgrading table then I would pay 113€ monthly. At first glance I find the discount protection overpriced …do you advise me or don’t pay it?

Hello together and a nice good evening, I have a question about a car damage and the resulting experience with the regulation with the opposing insurances. On May 4th I was involved in an accident without fault. I drove a long way forward road and an elderly gentleman came to meet me with his vehicle. When we were both about the same height the man just turned off instead of granting me the advance, I In the presence of the police the man immediately admitted his violation! Every accident participant got a police report in the hand where everything was recorded in writing and also the school knowledge of the master was officially held. On the evening of the accident day I went to the accident surgeon on the advice of my house doctor because I had strong stitches in the HWS and severe pain in the neck On May 5, I commissioned an expert with an expert report. In this report “almost, very close to the total damage” determined the damage. The repair sum was calculated at 7600,00 Euro incl. VAT and the residual value at 2200 Euro and fixed in the report. On May 07, I commissioned a lawyer specializing in traffic law to handle the damage and represent my interests. On May 07, I received from the Public Insurance Agency ung Braunschweig an accident questionnaire, where I had written down all the information about the vehicle and the accident. I let my lawyer know which documents including the reports of the insurance had been sent! On 15.05. I sold the vehicle at the remaining value of 2200 euros. Since 07. May I have heard nothing from the public property insurance. On 17. May as well as on 25. May I tried to contact me after the processing of my damage. At the last conversation on May 25th, I was insulted as an idiot by the clerk because I would call constantly. He could not talk to me because I am represented by the lawyer. How long should I wait now for the regulation of my damage? Why do you drag the regulation so long and why does the insurance not speak to me? How are your experiences with the regulation?

So now I got caught :/ Yesterday I had an accident. In short, I was taken the driveway, I could not brake in time/sufficiently (but braked), then evaded and stuck on the curb. Result are two broken aluminium wheels, one burst and one damaged tire (6 months old, quite great..), track adjusted/defected. Maybe even more is defective, that’s my assessment. I didn’t touch the cause car. V the cause was initially fleeting (but maybe nothing at all was noticed, although I had horned, but he had also really gasped), but could be stopped 15 minutes later by the police (respect, that was really fast). I didn’t have any witnesses, I drove alone, it was 11 p.m., only causers and I on the street. Yesterday I called the opposing insurance company, they took this up accordingly and said I should call again Monday. someone tell me what the next process is and what I have to consider now? What if the causer denies everything, there were no witnesses :/ Would I be happy about every tip

Hello, I have a pretty big problem right now I wanted to shop yesterday morning… drive to the discounter, park meim car, turn off the engine… put on the handbrake, then just want to open the door even though I looked before and wums crawls so crazy full into the door…. so far crystal clear… she’s guilty!!! The madman (as I’m called yesterday) gets out of her car and threatens me directly with the fact that her husband is a policeman and that this is regulated… Well she then shouted i the man who then called the “colleagues” in the mom and they came then also iwann ^^ The madman was greeted with handshakes and I was only given an ice-cold look at… Well I described everything and the policemen noted this, but then moved into their patrol car! The gentleman God-gat went to the stripe knocking at the window, talking something and shortly afterwards it was said that I had torn the door open… I was not too surprised. In my condition (I was more than sc squats as if my foot had been outside,I didn’t have this one today!) .Tell me the policeman then I should sign the police protocol! I did this idiot too, because I thought the thing would be clear! Today, talked to the insurance company, the lunatic insists on a partial debt on my part… I really despair about it… The door was only a split open and she crashed at full speed from behind directly into the door, that can’t be true! I explained e everything was exactly like it was, but the officials didn’t listen to me! Lawyer called, tomorrow the expert comes and then goes to court! ! I felt so fucked up by them. Did jmd nn advice for me whether I can revoke this signature?

Hello together, I would like to ask here, because I am currently unsure in this case. I recently drove someone into my E90. He was found guilty and my vehicle is now damaged. Felge broken tires broken lacquer damage steering different / cumbersome I have already contacted the insurance of the causer, for advice or cost estimate. So far I still have no feedback. I really have to wait so long now until the Insurance confirms to me to be allowed to obtain an expert report ? Continue…is it no matter where I have the expert report ? Yes or ? My vehicle is currently not fit for driving and I can not wait forever until I can finally start the repair. Thanks in advance.

Hello, my senior had an accident. In the traffic jam a car hit him on his standing T5. Damage height ~500€. The T5 is Bj 2014 and has 14TKM – replacement value according to expert opinion ~53000€. The expert (self commissioned) has set an impairment value of 170€. The gegerische insurance agrees with the damage amount, but sees the impairment value only at 600€. Can the insurance simply determine this? I have advised my father now once the Call the evaluator and tell him that the VS does not see 170€ but 600€ and what he would think about it. What do you think? Does the opposing VS have to pay for the impairment? My father does not want to commission an RA. sl Letar