Category: KFZ-Versicherung Forum

Hello, unfortunately I couldn’t find anything suitable. I need help because I don’t know what I should do myself. To the point: There were two tracks, I drove left lane, my opponent right lane. Suddenly my opponent wants to change track and it can get to accident. While we are waiting for police, opponents asked me for cell phone so he/she could call. Had given my phone. Then the police came and asked for driver’s license. My opponent had no driver’s license My car was totally damaged, had received damages from opposing insurance. One might think that everything is already over. But the story goes on: After about 2 months comes from my old insurance questionnaire, had felt it and sent it back. After 1.5 months comes from my new car cover a letter, where it says: Because of car accident my contribution rate would be upgraded from 55%(2 year) to 75%. Call my new insurance to get to They had told me that the pre-insurer has reported a car accident. Call my old car insurance company, which tells me that my opponent wants to get money because of car accident. Had asked you already paid him, because I was not responsible for the car accident? Answer: No, but you have to wait 3 years until you are regraded. My question to the people: Do I really have to wait 3 years now? What should I do? After 3 years I will really And my contribution rate will be reduced to less than 55%, because until then 3 years will pass without damage? Or would I just be fucked, because after 3 years I should even get the money paid back? How can one check after 3 years whether the money would be paid, because they can then claim that the money was paid. Thank you!

Hello, I built an accident last night under a slight influence on alcohol and wanted to know how the car insurance for the damage incurred occurred. The following happened: I lost control of my vehicle on the highway and drove into the guardrail, which was slightly damaged. A vehicle that was behind me was then driven over some sheet metal parts that have detached themselves from my vehicle thus possibly also a small damage n. (whether there was any damage to him at all is not yet certain, he wanted to report the days to me, in the worst case it is a slight sheet metal damage) My own vehicle is an economic total damage, that is scrapped, meaning there are no further costs for me. When the police tested me a value of 0.65 promille came out about 1 hour later I was taken blood and the results of this test stand My real question is now to what extent is my insurance for the damage that arose at the guardrail and possibly at the other vehicle. Do they participate in it or do I have to carry it completely myself?

Hello together, I don’t know who else could answer the question. My beautiful car was damaged in a parking lot by an unknown one. The police meanwhile stopped the procedure. Now my car was after a few weeks to paint in the workshop (300EUR self-participation). The workshop told me beforehand that for the repair time of 3 days I get a rental car from the ADAC if I am Plus Mitlied. On demand at the ADAC I also have without problems a car with Now push me the ADAC and want to get an exact accident report (could be a problem) next to the repair bill (no problem). My fear after looking at the ADAC performance, I now have to pay the car rental bill myself. Because 1. the accident location is less than 50km away from my place of residence 2. the repair took place only after a few weeks 3. it was only a dent I was still mobile Since I can not correctly interpret the ADAC requirements, can I find it strange that the ADAC didn’t ask me on the phone for long and now they want to squeeze me out. Thank you very much.

Hello together, I recently had a small parking rempler, resulting in an approximately 2 cent piece large dent and lighter scratches in clear varnish. The whole at an old Ford Focus in turquoise at the rear left wheelwheel (had hit him with meen plastic wheelwheel). Now the insurance meant that the damage 240€ fraud with expert reports, the car he had at “Car Dellen Profi” in Reperatur un 2 days a very small car rental. Can the damage really be so high ? with right things too ?

Servus, now it also got me, someone drove me in. Question of guilt is clear and not stritig. Damage is with me the bumper and tailgate, it total damage. The damage is with my vehicle at 2100 without VAT, with hourly rates of the contract workshop. Now I wanted to fictitiously calculate and got a letter, which my submitted report was examined and the hourly rates of a free workshop were pulled up. Thus the damage of 210€ without VAT on 1600 without VAT. On the phone I was told that I would have to have a clean-booked vehicle so that I could get the higher rates because my vehicle is older than 3 years. Now the stupid thing that my car was always in a contract workshop until the last inspection is missing only the last stamp. Is that a problem? What should I do? Take the money and forget everything? Greetings, Daniel

Servus, today I turn to a legal question also About a month ago I was shot down by a wheel cap in the city, which was lost to a vehicle coming towards me. This wheel cap rolled with full force to my driver’s door and caught me during the ride. The result was that it apparently scratched my driver’s door in the lower area. Thank God one could with the help of the license plate and with the help of the police Lower Austria the ignorance After completing the accident report and the expert’s report, I was offered a replacement of 220€, which was raised to 250€ after an intervention on my part, with reference to the expected painting costs. A further increase is not included in the insurance. During the inspection, the expert looked at the damage and was able to partially polish it. However, the scratches can be seen with exact accuracy. The expert still murmured a little bit of repainting and told me that the insurance would report to me. I do not have an expert report of the insurance because she does not want to hand it over to me. Since the car is a new car, I offered the insurance a replacement of 500€ for me and I would then do without the repainting. However, the insurance does not accept this. I am entitled to e in own report, to determine the level of damage, and from it the possible release? If one were of course evil, one could also have the door completely repainted, which would then cost at least 1000€. It is an i20 GB EZ 08/15 lg fly Edit: The wheel cap rolled with the inside against my door, where this steel ring is incorporated.

Hello together, in advance, have been a customer since several HUK24. After I received the contribution invoice these days and is just the change time, I tried the relevant equalization calculator and found that I could save almost 20% of visible restrictions. If I was interested, I simply entered my data again on the Huk24 page and found with astonishment that I would get a similar saving there. By mail the customer service wrote and the following Answer received: ” … On 01.01.2017 we introduced a new tariff in motor insurance. This applies to all online calculations and new contracts with the beginning of insurance from 01.01.2017. Therefore, the online determined contribution can deviate from your contribution according to the “old” tariff, which is based on your contract. You can change your existing contract to this new tariff and thus possibly save money. …” I do not have this directly from the portal. If you try it, you’ll only be able to do it tonight or at the weekend. Just wanted to hear in advance if any of you have had similar experiences or if your contract has already been changed. VG Chris

Hello everyone, some time ago something stupid happened to me and a friend. We or I had rented a rental car at SiXt and was on the road with it. I am 18 got my driver’s license all right. My friend was 17 at the time with his B17 driver’s license. During the ride I got uncomfortable, I got dizzy and I drove right. My buddy offered me to drive home after it was not better. (We were not 3km away from home. ) On the ride what had to happen, he took a traffic island with him. Fortunately only a metal damage but the problem was that the police was already on site before we could get out of the car. So of course my buddy had driven. He had a stupid situation without a valid driver’s license of course. We told the police everything and they said it would be a clear case “driving without a valid driver’s license” -> My problem is now I get from SiXt b The insurance company and the police stress because I let him drive? He was not in the rental contract as a driver (we also without 18 driver’s license). Thanks already to all who accept my question Clemens

Hello, as some know I had an accident with my Mercedes company member Leasing vehicle (C200K Bj 2009)! Now I called the opposing insurance company to pass my account data (loss of use + flat fee for telephone) but the woman was very unfriendly. She told me: You will assert her claims in writing. Then I said: Why, I have nothing to do with the vehicle since it belonged to Mercedes and my leasing contract has been since the S I asked how long this would take, was the answer: a moment…! That meant that she could not say it. I know that the report is quite high and the usage failure is called reperatur time 12days. I really have no idea how I have to continue to behave now because the woman was quite unfriendly and sounded very annoying. Can you please help me there? I really stand on the hose….

Hi I don’t know if this is the right forum since last time So is my back license plate gone. Whether probably lost, but am not sure Jatzt I want to bring tomorrow to the registration office and there new license plates. First of course I have to go to the police. Problem: I only have the car for 2 months. At that time the HU and AU were still taken over by the previous owners license plates “I did not have to provide proof. Now there is a back license plate gone, where recently both badges are on it : ́( I can’t prove the AU – I also forgot the documents in HH and am now in Berlin. DIe HU is in the vehicle license. Are these things not stored at the assembly site or do I have to have a new AU done tomorrow after ?? help !