Category: KFZ-Versicherung Forum

Hello everywhere! Maybe jehmand can help me from you and knows a good advice for me! Before a few weeks I drove with my golf 3 return value and caused an accident! when driving back, I drove against a bollard and tree (not straight slow and unbraked, since I slipped from the clutch while stepping clutch and pasted everything in within wound fracture parts). luckily I had a full cash insurance on my car! car is total damage 97Bj. now I have to find out that the insurance apparently does not want to settle the damage! quote of the insurance: our investigations have not been completed we have requested the file from the fine office in magdeburg, whether you have insurance protection we can not say now. have received 5 days ago post from magdeburg (fine) and had to pay 35 euro(reason: in return driving lack of care and a foreign thing damaged) I have with my w now the question arises me why I have a full cascade (exactly from these foundations, if I have a mishaps and I drive my car kaput, which I am insured for such cases). why does the insurance say that you first have to check whether I have insurance cover or not, if I am fully cascade insured! the whole game with the insurance goes for 3 months! can one of you give me a good advice od he has experienced something like this before??? I don’t want to turn on a lawyer because I have to pay him out of my own pocket and it’s about a damage sum of 5000 euro!

In June last year, I was supposed to have damaged another car with my partner’s car when I parked out on a commercial site. The next day, the insurance company already called us: unsuspecting. One day later, two policemen appeared who wanted to look at the “car”. I let them grant – they didn’t find anything… My lawyer received a suspension of the proceedings against payment of €300 to the Justitzkasse. I responded because I had no driving licence. (in the event of an accident, withdrawal) is incapacitated. I believed that this thing was now out of the world… (30€ Justice + 500€ lawyer) … First of all, my partner was ranked higher- I have seen that somehow- the damage was there- even if I did not cause it- the insurance paid him… But came a few days ago a letter from the insurance company (name edited) that they had to provide the services they had under the compulsory insurance law I have not done everything that can be used to clarify the facts (point E.1.3. ABB). Therefore, the insurance according to point E.5.1 ABB is free of performance. I have had a driving licence since 1992 and have since been without any damage to anyone – and I am a frequent driver with more than 40000 km/year 1. I wonder to what extent the right thing is AND If insured dan n please not with the *piiiiep*. Because as you can see here, they also profit from a damage. It is also nice, that if I want to have a installment payment, then I have to give up the right of the objection and sign a declaration of guilt – i.e. even if I successfully get the money again… No matter whether you believe me, that I was not (with the accident) or not- with these business transactions I can only get before the *piiiiep* car insurance Does anyone know how far it is lawful to claim back the money from me??? Thank you ***Company name edited by MartinSHL

Hello, my parking car was hit today. The perpetrator rammed my car while parked, noticed it and looked at his car. Unfortunately he did not do anything and simply went on. Thank God a witness watched this and left me a message at the windshield. I waited another 1 hour and finally called the police. Finally I was cold at some point and finally I am the victim. i took everything and talked about crime. After a good 1.5 hours also the lady who drove my car and of course played everything down. Thank God there was a witness. The police talked about crime (driver’s escape?). How about the insurance now? According to the police I don’t have to do much. The perpetrator reports this to her insurance and passes it on to mine. But what interests me in particular is the matter with the expert and the driver’s flu. cht. Of course, the insurance company wants to push the costs. – Can I hire an expert of my own? – Can I choose a workshop of my own? – Do I wait or become active myself? – I have read that the insurance may not pay if it is a driver’s flight (which would be the case here). So the woman herself would have to pay for the damage. Is that right? What if she does not pay herself? Then I would have to manage it myself via my complete? – Wa s are my rights? Thank you for your feedback

Hi, I do not expect a solution here, because according to credible information from the friendly lady at the registration office there would be no more – but I would like at least some information about it, normal working people can only look at a vehicle if the registration offices have closed, on holidays or on the WE (or in the evening, which is rather less recommended). So you get the tickets to the place by train and other public transport to In the case of the vehicle, everything is ok, so you decide to buy it. So you have to pay, screw on the short-term markings that you took with you, and drive home. However, according to the lady, this should have been prevented, since you have to specify the data of the vehicle already in advance, and actually in the form of the vehicle documents in the original. And this actually also at the registration office, which is responsible for your own location. g is, not for the area where the vehicle is visited. The lady told me that since then you have to do twice the journey to the vehicle. At the first time you pay and get the papers, then you travel back the whole route without the purchased vehicle, get short-term registration marks at your own registration office and travel a second time to the location of the vehicle, then you can take it with license plates. Of course you can use a car for the first trip, since m I know that even in the event of success you have to start the return journey without the car. However, the second time you need either a car plus a second person, or you have to organize how to get to the vehicle by public transport. See above I do not question this, but assume that all this is correct. My questions are the three from above… thank you

Hello, I wanted to get some advice from you here. Perhaps you can see the incident differently than I do. The following locations: Parking all cars are left and right to each other.You can now drive around the parking lot outside. When I found none, I drove again from the “place”. For this I had to drive on a road.Here is right in front of left. On the right in the street there was a car. Apparently he was looking for a parking space. When I got closer to the entrance…. he signaled to me with Ha I also raised my hand.When I was with my rear axle in his area of the left shock bar, he drove off.But I noticed that only when he saw me around 40 degrees and hit it. His damage is a scratch.My damage is a crushed side wall. First he played it all down. He didn’t see me etc. Then he told me that I drove him into the car.We had to clear the accident place.I have pictures. I then called the police. The situation is clear for them. I didn’t pay attention to the right in front of the left. If I had been like this, I would have agreed with it. But I don’t. I feel linked by the other. Today we go to the lawyer. Had jeamand ever had such a case or know what as a Ratschalg ,Tip? Thank you very much to you !!

Hello all, I’ve had my golf since Nov. 2012. He had a bigger accident (3500 € damage), and a few paint damage (key scraper over two doors, garage rempler) and I’m once set up with the car. Unfortunately I did all this with the fully comprehensive. At that time I didn’t know that this was actually not worth it for things under 1000 €. That’s why I am at VK now level SB 1 🙁 Unfortunately, the insurance has now also increased the prices. g I would have to pay 327 € in the new year. I find that quite violent, especially since the last damage was the key scratcher 2015. So the bigger things have been long ago. I don’t need the car necessarily, can also use the bus to work and in case of cases I would have reserves for a new car. The question is, if I expect the pre-damage of a four-year-old car to be fully comprehensive. KM-Stand is 62000. On the other hand, I love my golf and want to keep it and pet it too. The car is reliable and I’m very satisfied.

Hello together I want to sell my car. The buyer lives 300 km away, so that he would like to take the registered vehicle with him immediately if he agrees. But what if the buyer builds an accident on the return journey? Then the vehicle would still be insured with me and the driver would not have his own insurance. Does a reclassification of my contract (HUK24) happen then? What is the regulation in such a case? Can I give the vehicle, for me riskless, with? Thank you in advance. ♪ I’m sorry, Tim ♪

Hello, I would like to air my anger here… I have completed a car warranty, which now does not want to take over the replacement of a chip from the trunk lock. The warranty conditions say that the trunk lock as well as parts that affect the function of the lock fall into the additional guarantee. (The lock could not be unlocked anymore.) The customer service staff talk about head and collar. They do not want to take over the 29,90 Euro. I am draughty. At the end, they probably do so more often, since for 29 euros hardly anyone visits a lawyer and complains. Do you have an idea, if I can turn to a car newspaper etc.? Unfortunately, there are no assessments of this insurance on the Internet; at least I did not find any. 🙁 Greetings Sandra

A few weeks ago I drove out of my driveway to the road (residential area, speed 30), while looking around through the side lights everything was still free. At night it had frozen and I had to scratch all the windows before. When I was standing on the road, I could not see anything at first, disc started to fog again, sun blinded at eye level and I stayed still short as one drove on from behind me. He had his front window only partially fret After getting out, he was probably asleep and didn’t see me. Probably at the same time as I was out of a parking lot, which is why I didn’t see him at first and I bet he couldn’t see anything out of his ice palace in the deep sun, but he left for the first time. In the accident, he had caught a little bump on his nose (he probably stuck right behind his disc), so he called the police. The police said that I was probably to blame for driving backwards into the flowing traffic, and there was still something to do with me (negligent assault, etc.), but they were not sure what led to an investigation. I had at least denied all the blame from the beginning. I then asserted my claims with the opposing insurance company, i.e. n a few days later, a shred came, in which she refused because according to her “existing objective documents” (which may be?) a liability of her customer would not be in question, since I was responsible for the accident. Now last week a letter came from the prosecutor, after the proceedings against me according to §46 para. 1 OwiG had been stopped in connection with §170 para. StPO, which does not mean that a fault cannot be proved to me. My car should be an economic total damage, old rusty Escort, value max. 1,000 euros, is it worth it to hire a lawyer (procedural cost risk)? Greetings Bullerbock

Hello guys, I hope you’re all doing well, with me it’s a bit problematic and I have a question. My grandpa lived here in Germany until 12 years ago and had also registered his car here. Now he lives in Greece and has covered his vehicle with a Greek insurance. Since he has always driven carefully, he had accumulated many damage-free years here in Germany and had to pay accordingly little insurance. Now I wanted to know, whether I could still get these harm-free years or whether they will expire after a certain time. Thank you in advance. Bye