Category: KFZ-Versicherung Forum

Good morning, I urgently need your support!! I had an accident yesterday. This is what happened: I turned left from the main road of our place into a driveway to turn. Before I got out backwards again, I checked on all sides whether the road is free. Was it in both directions, so I left backwards and just went straight ahead,there’s a crash. At first I thought I had gone over something, then I see a motorcycle ride next to me. I don’t know where she came from!! She caught my car on the back left. At first I thought that only the glass of the rear light was broken, but the damage is bigger. The father of the motorcyclist tried to make me realize on the phone that it is not a good idea to claim my damage. Actually, he even threatened me. Since I have been driving accident-free for over 20 years, I am completely overwhelmed with the situation!! How are my chances if I suffer my damage? I thank you already now for your help and send my best wishes, Susanne

Hello together, need some help. I had a kasko accident, my insurance company sent an expert who took all the reports ect. I then charged with the insurance as total damage, ordered the money from the insurance receipts and meanwhile another car. Now comes the expert and says he beat himself up at the survey To 2 years and the car to young law – is actually also 2 years younger in the report. But it’s no one to date… May the evaluator change the report afterwards Bzw. Can I fight it – I reckoned with the money and ordered another car already.. He says he didn’t have a car bill And wrote off the wrong data from the workshop order papers…, he usually has to check the papers??? Thank you for your tips!!

The following facts In March registered with HUK 2 cars 1. Car BMW 7er 2007 2. Audi A4 8E B7 2005 1. Car SF class 2 48% (according to contract currently) 2. Car SF class 1/2 75% (according to contract currently) When concluding the contract, the consultant has calculated an amount for the 2nd car in the amount of 162,18 € SF class 4 according to contract that we have then signed (in the contract the conditions are available for the 2nd car, which the consultant allegedly verified. äch the consultant has said that it is cheaper to register the 2nd car also at HUK. Therefore we also made problem today a letter received SF class was lowered to 1/2 because allegedly the 2nd car can not be classified in the 4th class since the 1st car is only in the 2nd SF class. I have claimed this today and the office will write to HuK a complaint from the managing director herself that here is a misconsultation, the consultant Is this the way to do it? How do you do it here if it is not corrected as agreed, how does it look legally? Current yield is about 90€ more every quarter! Thanks for the answers !

Hello guys, I was on the road in northern Germany last week. In a parking lot a passenger of the car next to me was able to ram the door full into the side of my car. The door then hit the wheel box, exactly at the bend. I was today with the car at the beulendocktor, but it could not help me, because the bump is exactly at the bend. In addition, the clear varnish is at the place from I then presented the car at Audi. They gave me an offer about 891€ There would be a rental car for 2 days + the renewal of the paint preservation at the newly painted place. So around 1200€. The lady is insured for liability, but I have some doubts that the insurance will pay simply like that. The lady has already said in the parking lot that the damage is somehow not from her and bli blah blubb. I had this before, since I had to meet with the accident opponent and place the vehicles as the stand n. Now in this case, the opponent lives about 600km away from me. I can’t even go there like that. Did you have any experience of how the insurance behaves?

Hello, with my parked car the driver’s mirror was driven off, read itself so far again up to small paint damage so far OK there are only a few noses away and hold paint scratcher.causer known insurance also everything OK wants to pay.So they wanted only an expert report on the damage amount if I want a fictitious processing, I wanted. Had the report prepared and must pay for it 60 Euro the total damage of the defective mirror was 627 Euro. but what about the report I have to get who pays it?However, if 527 euros are not paid the 60 euros for the report.Is this correct or does the insurance have to pay the 60 euros?

Servus people, I’m putting this in here now, because I think it’s best here. The following happened to me, on Friday the week before last (16.9.) my car caught fire while driving. The good thing is, I didn’t happen anything, I could take out most of my belongings. The insurance expert has already clarified everything, that fits so far. Yesterday, an expert was an engineer from Ford at the wreck. They also found no cause and only Now Cologne has informed my dealership that I have to direct my claims directly to Ford’s legal department. Has anyone experienced something similar? What kind of claims can I make? Compensation for damages? Replacement car etc… My car was a Mondeo Titanium S BJ 07/2008 with approx. 105,000 kilomter.

Good day dear Motor Talk friends, I have read several times about you and wanted to put my problem here. I had an accident on 9.9.2011, I got a back. I called the police, my opponent confessed that it was his fault. Then I was right at the car dealership and the boss got me an expert. Conclusion: economic total damage. The following Monday I was right at the lawyer told the everything. Letz I had already called a week ago and was told that the other insurance company would not have received the warning by e-mail. My lawyer sent one again. Today I called again and I was told that the insurance company had received this and wanted to take care of it. I was able to find out that the insurance company is the KRAVAG and on the Internet you don’t know that God knows good reports about insurance. because he wants to ask how long they need for it. I would need the money until Friday because I have to pick up my new car. The seller is waiting for it already over a week. Want to know if I can still expect that I have the money on Friday or if I should give up the hope again. Thanks for your answers.

Hello, I hope you can help me. I had an accident last week with my Golf 3 (a taxi driver took my lead). Now the two wheel houses on the left side (driver’s side) are so strongly pressed in that the vehicle is an economic total damage and no longer ready to drive. An expert report has already been prepared: residual value: 80 Euro replacement value: 1200 Euro repair: approx. 6000 Euro replacement period 12-14 calendar days. Now my question (n) )): I want to repair the car myself (in self-deposit) and demand the 130% of the replacement value for it, can I then still claim the 12-14 calendar days for the usage failure according to the expert opinion ? Or how do I calculate/deposit this then otherwise ? Besides, as a student I do not have the financial means to repair the car before damage regulation (i.e. money receipt in my account ), can I wait for the money from the insurance also as a usage case claim ? Thank you for your answers in advance Malle

Hello, everybody, I had someone drive into my parked car about 1 month ago and then ran away. Luckily a witness wrote down the license number ect. and gave it to me. I then made an advertisement. Since I have no comprehensive but only a partial cascade, the damage is not taken over by my insurance. I have already got out the holder, who owns the car that hit my car. I got the estimate yesterday. (Are “only” 500 €). But how would you tell the accident culprits this now? Because the police don’t get into the hallways and the guy doesn’t get a subpoena (truely, he doesn’t even know he was caught in the process). Because I wanted to sell my car, I wanted to get the money for it. Now my questions: Would you sell the car now? Is the estimate enough? Would you just call the accident culprit? The police have to pay the price? But what if the culprit wants to pay for the damage through his insurance and then sends his insurance to an expert who wants to look at my car? What do you think?

Servus, would like to add a relatively new Audi A3 (2010/11) to me in about 3 months (either a 2.0 TDI or a 1.4 TFSI, depending on availability, price and of course the insurance). Drive a Ford Escort 16V year 1998 and pay about 680€ for the liability insurance in half year. If I am in training (open service), have saved the money for the car over the years and would like to inform me now already. I am 20 years old and my B rower (30) is also insured on the car. In the future, the car should only be insured on me. My probation period ends in a month. In February, I am liable for two years and still accident-free (it should stay that way ;-)). Although I have already been busy with these online computers, I found this rather confusing and now I hope that you might give me an estimate. Just so that I have an approximate picture of what’s coming to me. That new cars are so much cheaper in the insurance? The car will only be insured on me as I said and a fully comprehensive one is definitely necessary with a newer car. I hope you don’t cut my head off, for that I can’t cope with the online computers. Actually just want to be on the safe side. Oh yes and important is still: What’s the difference between a 2.0 TDI and a 1.4 TFSI in terms of insurance? the variants be manageable, because of the soot particle filter in the TDI. With best thanks in advance Kk51