Category: KFZ-Versicherung Forum

I’ve been looking for some answers to my questions at Google and I stepped on the forum here. My Benz unfortunately fell victim to an attack today at the carnival, it was burned out more or less completely. Unfortunately I’m not at home, my husband only briefly reported it to me he is then directly down. What happens in such a case? Police call is clear, is the car taken away by the police? Does it just stand in the parking lot? You must then also call the police Which jumps a ? Luckily have 2 years of revalued damage. What do I drive with now ???? my car is so to speak gone. How long can such a regulation take ? I just can not believe that there are such people, am so through the wind. What do I do now best ??

Good evening. Had an accident with total damage and the repair costs according to the report are more than 130% above the replacement value. I therefore want to calculate on an expert report basis, i.e. replacement value minus residual value and then have the car “privately” repaired nevertheless. Question: I don’t have to report that to the opposing insurance somehow, right? I mean, I can decide to settle on an expert report basis and what I do with the car is my thing. Right? Thank you Good evening to you.

Hello, recently bought an e-class from a dealer (about 5 weeks ago). Had to bring back the car 2 times because it had a defective one. According to the Junge Sterne warranty I have a right on a rental vehicle. I never had to sign anything or have heard of excess of 1000€. At the last defective I also got a rental car but when I parked I missed a stone and striped it for a short time. Now the Mercedes dealer means, since ss I have 1000 Euro excess (the bumper was already damaged scratcher etc.) If I had known that there is a excess of 1000 Euro, I would have refused to drive it. Could you give me tips? Doesn’t the lender have to point out the excess? Please for help!

Good day, yesterday it also caught me, another car has disregarded the driveway and shot me into the car. Car has been towed and is now standing on a road and I think about how to proceed. My car has a value of approx. 5500 Euro and a friendly car mechanic has estimated the damage also at approx. 5000. That there is a bit of leeway, on the side of the expert is clear. How would you proceed now? I think that you can repair the car and dam As soon as the value of the damage exceeds the value of the car, I get the market value of the car – minus the residual value deducted. e.g. 5500 – 1000 = 4500. What is actually when the damage is estimated just below the market value of the car. Then let’s say we get 5000 minus VAT paid and can repair my car with the money. Does it make sense if I tell the expert to estimate the damage just below the market value if he can? My F rage, can the insurance after expert opinion, say that the residual value of the car is another and how would you proceed? Can I just take a traffic lawyer (the others had 100% guilt) and makes sense? How do I behave most cleverly, because the insurance companies also start tricking to pay me as little money as possible and I want to protect my interests. Thank you

Hello, I wanted to insure a second car and made all the information to my best conscience. Also as a holder I indicated my brother. I got an offer about 252 €… I accepted the offer. So they sent me the insurance certificate, on which suddenly 376 € stands. I called there and they explained to me that they made a mistake and I only get the second car regulation if it is my partner but not my partner. Now I am a little on the hose and I am also “lightly” acidified. Although in the offer it says: This post is calculated according to your details and valid until 11.03.2014, if by this date the contract is concluded. Has anyone here ever made experience with such a constellation? Thank you for your help TscripT

Hello, unfortunately my thread was closed because there other users got into the hair and had a bad conversation, therefore I open another thread and ask everyone to stay as objective as possible, especially without insults, otherwise my thread will be shut down again very quickly. 🙂 Well, there was an accident on 6.12.2013, someone drove me into the back door on the right. Opponent of the accident was to blame, it is also in the police report. Now my Au but to just under 14 years old and I don’t think it’s economical to replace the door. So I telephoned with the opposing insurance, on the phone the residual value or replacement value of my car was estimated directly (about 1500-2000€) and I was told that up to about 1,500€ a KVA reaches from a workshop. So I took a holiday and drove to Renault, got a KVA and this amount is about 1517€, without VAT it is 1275€, which would be the amount that I would have to pay if I did not want to repair. Now I have communicated this to the insurance company and as an answer then suddenly came that one would like to have a car expert. Are these common procedures? I mean, if I now add an independent expert, it certainly costs 200-300€ again. In the end it will probably also determine the same amount. In the end, the experts must also no Is it possible to negotiate in case of doubt, ala, “Pay me only 1000€ and I spare myself the stress with further appointments etc.”? Furthermore, I have a question: From the DirectLine I was offered that they send an expert, but time and again one reads that one should consult an independent expert, which naturally involves more effort, because the insurance experts usually act partisanly. Is that so? Is there E Is there a risk of this insurance in particular?

Hello, on the way to the Christmas holiday we had an accident with our 7 month old Dacia Lodgy, total damage. Since then I try to find out what the insurance paid to us. We have an extended new value damage, but at the Da direct they have only become aware of it when I pointed out to the clerk. In the meantime we signed a binding order for a Renault grand scenic, but it is smoked. Questions: Do I get the money that I actually paid for the Lodgy? (was a shopkeeper and therefore quite cheap) Or the money that he just costs new at Dacia? And what is the value of VAT? From what value (new replacement or residual value) is it deducted? Do I have a right to reimbursement, even if the dealer does not show VAT on the invoice? I hope for many answers that will help me!

Hi guys, I regularly parked my car in a dark street (30 zone) on the side strip. At 10 p.m. someone drove me from the parking lot opposite to the left fender while parking. The police took the damage and meant that I might have a partial debt, because the road was very dark and I would not have a standlight on. My question is now whether the policeman is right or whether I am not to blame. the road is really very dark, the next lantern was also about 20 meters away and my car is black. Does this matter at all, or can regular parked cars just never be hit, no matter how dark it is? Thank you and love greeting Xaocan

Hey… Had an accident on the way home today… Truck got on my trail, supposedly didn’t see me, once turned around. My whole driver side is fucked up, door is only cumbersome to go… Bin Azubi and bought the car 1 1/2 years ago for 600€ when it had 30.000 down at the end of 2008 year of construction. Now it just has 35,000km down… The car drives, but is definitely a case for repair. Now I’m afraid that even as an innocent person, I’m only I can’t buy a good car for 2000€ and I can’t buy a car at all, which only has 40.000km down and is only 6-7 years old. I’m dependent on the car, I work 30min away, my friend lives 1h away and I’m sure I won’t be unmobilized, because an idiot doesn’t use his mirror… I’ll go to the garage tomorrow with my father…I’m really totally gonna go to the garage with my father… sad, have a concussion and I actually hang very much on my car… :'( What do you value the repair will cost me? Police gave us 2-3000€…. but read of slight damage that already cost about 2-3000€. With me it is the whole driver’s side…In addition, the door is also difficult to get back to…

Hello, today it snowed heavily in the south of Germany, the roads were very smooth and so my sister was involved in an accident. Apparently someone drove up on the back of the car. I just looked at the damage. The black disguise under the bumper is torn down, there are several scratches on the bumper. I could not see more in the dark and snowfall. The police were not called, but personals were exchanged and number plates Now I ask myself, how further will we proceed, also with regard to the insurance? Should the accident be reported to the own insurance even though the other one is to blame? How does it work with the damage regulation?