Category: KFZ-Versicherung Forum

Hello and nice day, As in the topic, I got a car borrowed from my grandpa from Poland. I will probably drive it next 2 years with it here. From a known I have heard that there is a possibility to pay a voluntary tax, my place of residence is in Germany and the car is registered on my grandpa in Poland so is not my car. So so that I could not have any bad thoughts I want to pay for the car here tax so not bumbling With this question I’m going to contact you. P.s. I’ve called a contact person of an insurance form he has informed me that I can drive with the vehicle here and every time there will be a check, always say that my grandpa is visiting. MfG enkelinho

The following has happened: I have newly registered and insured a vehicle on my name. The SF should be taken over by another person (parent) . This was promised to me by the broker . But now it has taken me from the application until the form for the SF transfer at all to be delivered to me alone 9 weeks. I filled this out immediately and sent it back, then it took another 12!!! weeks until I received from the r Insurance was delivered the policy with the final classification, but the SF transfer was rejected because the contract to be taken over was over for more than 12 months. This increases the annual contribution by more than 300€, I then made use of my right of withdrawal. Nevertheless, the insurance wants to claim the increased contribution for the period incurred (always about 5 months!). If I had known this at once, I would never have completed there. I did not have the 5 months asked the broker as well as the insurance center several times, where the police remained and was constantly comforted. (So slowly I have the impression it was method behind it.) Am I now obliged to pay the increased contribution, although I have not to answer the delay? Thanks and greetings Donnerschlag

For an acquaintance who asked me to assist him in the handling of his liability damage, one question is: First: Debt distribution is undisputed, 100 : 0 The damaged vehicle was delivered in the car dealership with the order to order an expert because there is a suspicion of an economic total damage. The employee of the car dealership was then of the opinion that the full accident assistance program should be rewinded, including the lawyer, car rental and all possible assignments In the first place, the lawyer and the car hire company was slowed down, the former because he is not known to us and I doubted the car hire with the indication that the vehicle was safe for operation and traffic and the insurance company would possibly refuse to pay for the car hire. The vehicle is also safe for operation and traffic, except that the tailgate cannot be opened easily. I find the explanation absolutely inconvenient, since an emergency repair would be enough to keep the door open and even if not, that is an absolutely insidious attempt to bring an overpriced rental car to the man at the expense of the acquaintance in the dispute. How do the experts see this, am I wrong ?

Hello, my correctly parked car was damaged by a driver when reset. As a victim, you have legal right to cash benefits of the opposing insurance (§ 115 VVG). Now the big V. companies have known to all a network of “partner” workshops where they (intransparently) probably receive large customer discounts and to whom they order in return. If one searches locally for body and paint plants, then often the ones with the biggest appearance (1st house) On the spot, “master business” … and the most professional presentation these partners of the insurance companies. So one does not have the impression to be sent to less qualified “cruders” but would have commissioned exactly this workshop even without “partner” connection itself when the V. pays the bill. Of course I know that advertising and presentation NOTHING has to say about the real craftsmanship quality and care of a company, but if you do not have any other Anhaltspu In particular, in the case of sheet metal repairs with bulging and painting, it is important, in addition to the appearance, to work well from the inside (where you don’t see it) and to produce a suitable corrosion protection again. The original coating is also destroyed by the deformations, sealed cavities can be open, etc. How is this with such “partner” workshops of the insurance companies, is one the customer with material defects liability claims n against the workshop or is it the insurance and thus one has disadvantages, if the cart was soon rusted or leased at the repaired place and it falls off? The workshops work at „Partner-Auftragungen schusseliger? I imagine that one could also have advantages with the „Partner-System, the handling of the repair and also a replacement car position is easier is possible. Tickets for the ÖPNV the insurances for the ÖPNV do not pay during the repair all, So I’m already thinking about asking for that, too. That’s what happens tens of thousands of times to my people with experience in such cases? Thank you Greeting Stefan

Hello together, I have a problem and need advice now. Next weekend I buy my first car. (visit etc. Everything is done, he will fix some defects and then I will take the next WE with me.) Now it’s about the following: Sunday we conclude the contract, until then the car is still registered to the seller. Insurance etc. Is not the problem with the ebv number. But if the seller unsubscribes the car on Monday, and at the time then at my home v or the door is standing (public parking lot – no private or similar ) then it stands from time x unannounced, and that a pkw yes not allowed. But since I live in Berlin it will be a bit more problematic, since you need an appointment here at the registration office, without appointment nothing goes at all in Berlin. Therefore I call Monday a registration service that allows my car within 1-5 days (normal duration 24-48h according to homepage, so plan a that it is ready within 5 days) Jet zt is the question, what do I do with the car? I can’t leave it that way, is not registered… the seller has no property or the like. Where he can leave it until registration. Therefore, my question, how do I proceed best now? Or can I leave it there the registration is in progress? I thank you already in advance, for every useful advice

Hello, I have a question for the experts, also to the employees of insurance as it is settled with those. A legal person who is entitled to deduct VAT is stolen a vehicle which was bought by a dealer without VAT. The expert creates a hypothetical replacement value report and writes there a net price on + VAT. I as an entrepreneur ignore the VAT completely because I assume that insurance companies in this case always pay out net anyway. The view on mobile.de shows me that there are no usable and comparable vehicles at the net price of the report, therefore I call the expert and ask him why he only estimated value XY, if he has taken all the extras into account correctly. He is surprised by the low value himself, looks into his documents and tells me he has estimated value Z (incl. VAT). I explain to him that the VAT does not refund from the insurance I assume that a private person as a policyholder would, of course, also receive a gross payment from the insurance company and that the whole issue would not arise at all. The insurance clerk then explains to me whether they pay out with or without VAT, that in my case it would be natural for the insurance company to pay out with or without VAT. My tax advisor doesn’t see it that way, because I can’t, like a repair in which the VAT is deducted in exactly the same way from the insurance company, submit an invoice for the stolen motorcycle and when the purchase was made, no VAT could be obtained from the tax office. -> Is it right that the insurance company only pays out net in case of theft? -> Is the expert’s opinion too low and the expert would have determined the value a ls it necessary to take net value and to add VAT instead of seeing the determined value as gross and deduct VAT? If I have understood it correctly, the price examples that are based on his estimate are all without VAT. But this value he has written as gross in the report. If I have forgotten any information or have described it unclearly I gladly deliver this, I think I can make better progress with you than if I continue with evaluators, insurance and tax advisor alternate phone calls Thanks

Hello, I have a rather stupid question, to which I have been looking for an answer for 2 days and actually only contradictory statements. I have already asked 2 people from the circle of acquaintances, who themselves had experience with undeclared damage, but unfortunately also did not get a concrete answer. I have someone at the intersection at the rear. I now lack on approx. 30cm width strongly varnish on the bumper. I have a “European accident report” with the needed n data, which was signed by both sides. So far so normal. A randomly passing police patrol did not want to take up the accident, because damage is too small and guilt question clear. The patrol explained to me that the causer of the accident is now reporting to his insurance company and that then comes back to me again. Only if after some time nothing comes, should I become active myself. On different sides I found the statement that one is first a In other places, it is said again that you should first contact the opposing insurance company. Again, I found the statement: Just introduce the car to the car dealership, they take care of the rest. The ADAC advises only to inform (MIt) faults the own insurance company or I have found several times the statement that the own insurance company has no interest in documenting the uninflicted accidents. “They are obliged to notify us of any damage event that can lead to a performance by us within a week in text form.” Would that be the case if I were to remain on the damage for any reason and therefore would regulate it over the kasco? Long speech short sense. What would be the normal (and as unconsidered as possible) procedure and in what order? Can/should/must I have the damage of my own insurance me Is it possible or could I have disadvantages from this? Or who could give me the most uncomplicated competent statements without having to make an appointment with the specialist lawyer? The hotline own insurance? The dealership? Sorry, is really an all-world issue, but I have no experience with it so far and the contradictory statements do not really help me any further.

Hello together. A very good acquaintance had a car accident. Is the damaged. Was at the friendly and they had an expert report done. Last week it came and there are things in it that let me puzzle myself as a professional. Once the expenses for the repair and cost. The amount is 2,000 €. Restitution value is at 3.90€ But now also here are residual value offers from different companies. The amount is 1.700€-200€ What is already more than naughty. She wants, on Anra her husband’s money can be billed according to expert opinion. Speak without VAT. Which is also completely legitimate. But why look in the report are the 1,700€ residual value offers available? The car has a value of 3,900€ according to expert opinion ?! What do you do? Can it simply be paid the 2,000€ minus VAT ?

Who of you knows anything about this? Can an expert commissioned by an insurance company or privately commissioned by me take off the front sign of a vehicle in order to be able to look behind the license plate or behind the license plate holder? Can an expert commissioned by an insurance company or by me privately require the owner of a vehicle in a foreign vehicle to have the vehicle on a certain day and to have access to it. In all cases, I assume that a vehicle owner of a foreign vehicle will claim compensation for alleged or actual damage to his vehicle.

Hello! Here’s what happened: My father had a small damage to the SF class 30 and unfortunately in 2013 and was reclassified to SF20. I don’t know any more, 100% exact figures. He could not drive at the time (2013) for health reasons, shut down the insurance and now my wife was able to take over the SF class. A new car was registered, for the first time in your name. Since she has only had her driver’s license since 12/2001, she can stay for a maximum of 11 years. chnen. Why only 11 is also a question but that would still be good. Now the insurance all at once said that there is a damage and therefore the taken SF is reduced to SF5. And zack, it is just 250€ more per year. The damage has already created a reclassification. So why again? And of course I only learn about it when I had called today to ask what is with the invoice. The whole thing is now no longer in the revocation. Umd of course wur wur I think that is absolutely unfair! Greetings Marco