Category: KFZ-Versicherung Forum

Hello everyone, I’m new here and I’m so sorry… I’ve already used the forum search and found a lot of similar, but nothing suitable for my special case: I had a self-inflicted accident this winter when I drove too fast around a steep curve and had a lamp on the roadside with my bumper. This damage was taken up by the police and after I reported it to my comprehensive insurance. , I was sent by an expert who estimated the cost of my car’s repair at about 2500 euros (the lamp did not happen). After I had calculated how much my contributions would increase after an increase in the insurance, I took the possibility of a damage buyback. This treated the damage as if it had never happened and my insurance contributions did not increase… Now it’s stupid for me before I reimbursed the damage. I’m not sure if I’m going to have a car crash again. I happen to have hit the bumper at almost the same spot as in the first accident, but in addition the light has also broken. Now I would like to take the insurance, because a buyback this time probably not worth it… My question, therefore, is the damage (as seen from the expert) deducted from the first accident? How is the correct pr I don’t want to screw up, but I’d like to know my rights before I do anything rash…

Hello together, need your help because I don’t know what to do. I was driven by someone in the car in the parking lot. It happened so that a big van with trailer stuck on my driver’s door. Damaged is the driver’s door (long deep scratch, with a small dent and quite easily the mirror). Car was locked and I wasn’t at the car. After shopping I saw damage the accident was waiting for me. The accident was caused by the police The insurance company informed my VW dealership. I got an appointment. When I was at VW, I was told that I had a right to an expert and that I should not let it run like sponsored by the insurance company over a cost estimate. As I always get out of it with the impairment. He said the damage would be about 2000€ – 250€ (new door, mirror, painting, working hours) ) So I called with the insurance and said that I will get an expert. The insurance meant that in my case no expert report is needed and that a cost estimate would be sufficient. Because I get a loss of value too. (Calculates out the insurance then). When I insisted that I want an expert, they told me that you will not pay an expert, because I drive the costs up and that it is my obligation the costs as small as possible. uhallten! Added to that was the hint that a scratch and a dent is not enough for an expert that would be a minor damage. I should inform myself on the net. With the hint that I have a damage from 2000€ to 250€, one only repeated the statement …. evaluator is not benefied in my case …. bla bla bla. In fact I searched the net and found an article where a parked Corsa was hit. The woman also brought an expert and has lost in court. Now I don’t know what to do!!! I don’t want to pay the evaluator myself and maybe even my excess from my legal protection insurance. Then surely 800€ would be gone. Can you give me tips on what to do! Or what would you do? Thank you for your help Greeting Surfuser

Hello, I had an “accident” some time ago on a resting place. There an employee of the state company for mobility Rhineland-Palatinate caused a paint and sheet metal damage to my then 6 month old vehicle. This was created by a stone which was hurled against my vehicle during mowing work. On site everything was clarified with the help of the police. Then I went to my dealer to obtain an estimate. I have sent the estimate to the national company for Mobiliät RLP and proposed to dispense with a person in kind and to estimate 20% of the invoice amount (1000 euros) as a reduction in value. (As I have already feared there are problems… no wonder… Koblenz halt) It was “in fact after” complied with and an expert was not necessary because of the amount of the damage. In the meantime the vehicle was leased and painted and also the Re BUT now there is no compensation for the depreciation since the invoice amount is too small. With reference to a marginal note to a comment from 2011. I wrote to them immediately that you should explain this to me more precisely because according to common jurisprudence (my knowledge) the mercantile inferior value is not to be fixed at the invoice amount and since the vehicle was leased (no matter to what extent) in any case an Anspruc h to compensate for the depreciation. It is, as I said, a rather expensive new car. Since to say a mercantile inferior value is only from 10% of the list price there is a boldness. But the people there are stubborn, the head of the speaker now even claims things that are demonstrably lied and I should nevertheless turn on a lawyer. A boldness without equal… My question is now how I can prove the mercantile inferior value. On an expert was in And above all, what I can do without using a lawyer. After all, it’s an authority… Can I ask to pass the matter on to the next higher authority. A speaker’s head doesn’t really have anything to say… And a lawyer for 200 euros is uneconomical. But that’s exactly what the authority is speculating on… LG Jens

Hello, our neighbour drove last week against the 8 year old Hyundai Getz my mother while parked. Damaged is the side wall (only varnish) , the rear bumpers hangs no longer correctly and must also be painted. So far so well, the damage of the insurance report and that we should have a KVA created because the damage will not be very high. So my mother was yesterday at our Hyundai dealer. That meant the make for insurance generally k a KVAs more, that would only give trouble, either to step down directly and have it repaired or an expert is ordered who then evaluates the car. My mother then did not continue to discuss and has gone. How now? A free expert would be our favorite anyway. But there is a small damage limit? In any case we do not want to beg here all car houses after a KVA (of which the houses will then have nothing financially). Greetings, Mart in

Hello together I hope you can help me with a problem that I have with my insurance. About 4 years ago there was a hail damage on my car. According to the expert it was a damage of 4000€. Since I needed the money then, I had the amount paid out without VAT. Since recently some scratches have been added I removed my car with the help of an acquaintance the dents and completely repainted. Then I called my insurance and there The good woman on the phone told me that I should prove an invoice to the workshop. I explained to her that there is no one since I have fixed the damage myself. She told me to send her current pictures of the car, chassis number, etc.. Since I already had a bad feeling during the phone call, that my own pictures are not accepted as proof, I did not get the necessary information. I have sent this report to my insurance company and received a reply yesterday stating that the report is not sufficient and that I have to send a workshop bill.As mentioned above, there is no invoice because it was an own service. Now to my question: Can the insurance company refuse this report? If not, how can I bring the insurance company? Would it be great if someone had a case like this before and could give me tips on how to behave when I call the insurance company on Monday. Is there even any court rulings that I can refer to? I don’t understand the behavior of the insurance company. If I had a workshop bill they would have to pay me the VAT that was retained at the time. Just like in this case they would have to remove the entry in the HIS and would have no or, if at all, only a small cost. Sincerely, I

Hello dear community, I had an accident 3 weeks ago with my car (only liability) by a guardrail at a motorway driveway gently braked me. As far as gentle as I have come to stand at the guardrail with relatively little speed and favorable angles. The guardrail therefore did not suffer any deformations or damage except a few paint tracks of my car. However, the police were on site and wrote me an accident notice which I at the insurance company So my question, is it necessary to inform the insurance company about this? Will the insurance company immediately increase my contribution or will it wait for an invoice (if at all) of the roadmasters’ shop? If an invoice comes then this will certainly be sent to my residential address first? I am relatively unsure what the right way will be for me.

To all experts, since I am no longer looking through, I turn to you with the hope of assistance. Due to an accident there is an expert report that has been prepared. Now there is the possibility of fictitious billing. The VAT will not be paid out at first. If in retrospect a/several partial repair/en is carried out, the VAT can (in my knowledge) be applied retrospectively. 1. How long do I have time for this? Is it sometimes also possible to submit an invoice after 6 months (after the day of the accident), e.g. if a summer tyre (which appears in the report) is ordered and bought for the next season? 2. Here I am interested in the following case example: Now the tyre is charged with 200€ net in the report. a.) What happens if the invoice amount is only 150€ net? For this I would like to apply the VAT. Here I go d avon from the fact that the value added tax of €150 can be claimed (and not of €200). A total difference of €50 between the price in the report and the price actually paid. Can the insurance recover the €50? b.) What happens if the invoice amount is higher than indicated in the report? Can I claim the difference? 3. Can the value added tax also be claimed if something has been repaired in its own direction by: a picture as proof of repair is sent to the insurance company? About tips, hints, answers I am happy.

I ask myself why it is not possible to register a concentration camp in the approval district X directly on the approval district Y ? In today’s times, where the NSA Merkel’s mobile phone can listen? Why do you have to go the detour via short plates?

Hello! I have to sell a motorcycle (CX500) and have now, after I have selected the letter out something strange found: In the letter the machine is indicated only with 20 KW, in the appearance also with 20 KW additionally but with power increase to 37KW. The old letter was drawn in when I had registered the machine for the first time. The CX is now 37KW insured and in this constellation with the corresponding components (gassers and manifolds each 37KW) also new TÜ V. The appearance and the letter were handed out as they were from the office but now I am worried that the note for increased performance in the letter is missing. What should I do now? Many greetings

Hey hey guys, I/we need a little help. During the night from 5.9. to 6.9. my colleague and I as a passenger were on the A1 drive home. In light traffic we drove on the left lane. Throughout the day there had been strong shiver and strong wind. Then the driver suddenly lost control of the car. Through a wind blow we came from the left completely to the right lane. The driver tried to steer against, but d the wind and the wet road have led us with the rear right side first against the guardrail and then in the further course with the entire passenger side against the guardrail. The airbags have triggered on the right side, the car is a total damage. At night at the time it uprooted even 2 trees in the area. And we have brought to know that at such a wind speed also the partial cassock must grip. Now it turns up al She thinks it was self-inflicted and the mere pushing away of the car through the wind doesn’t count (a tree should have fallen directly on us, was also mentioned as a reason.) We now have the evidence that the wind was >8 and the police report underpins it. Should the insurance then still pay? Does it pay to hire a lawyer? Who then has to pay the lawyer?