Category: KFZ-Versicherung Forum

Good evening, I would have a question about the procedure, if you want to assert a usage failure. In short: Someone hit us in a parking lot. He is 100% guilty. Workshop has looked at the damage, is about larger paint damage. Costs were estimated at approx. 1000 euros. Opponential insurance accepted this and noded without further asking an expert. My first question would be: Is it ‘normal’ that in such a case the damage to the Are there any disadvantages in ceasing the damage as an undeclared injured person? My second question would be: according to the workshop, the repair will take about 3 days. Can I claim a loss of use for this time? If so, how does that relate to the assignment of the damage? Am I correctly assuming that I have to handle this myself with the insurance? How best to do this: write a letter saying that you have to cancel the workshop? Failure to use the car and how long was the car in the workshop? Should I address the table and classification etc. myself, i.e. set a sum or let it be determined by the insurance company? Thank you very much and many greetings

Hello, have a few questions for you. What do you think of the new ABB ( october 2011 ) and of the old ( april 2010 ) regarding the new SFK or the percentages? I don’t know what to think of it. If I change the contract then the old percentages or also downgrades remain for me. But if I change the contract I could save 50 € half-yearly. The question is whether it makes sense to leave the old contract in the hope that it will be from next year (2013) then w It will be cheaper and those who have changed are then the painted ones because then they will not get into the old SFC system more? Or do both have the same base price of which the percentages are calculated? Hope it came to some extent RAbout what I mean?

Hello, after a TK-damage (in which the car was examined by my VU) received a letter that I exceeded the specified KM-performance and therefore should pay a penalty i.H.v. 500€! How does this amount justify itself?! Especially since the damage now occurred is not related to the running performance, since it is a theft damage! And how can I know beforehand what I will drive?! is like clairvoyance. Had with contract closing the 10TKM was specified, but then due to unforeseeable circumstances (if the car had to travel across Europe) a running performance of around 30TKM was achieved. I never got a questionnaire on current information! Ok, I know there are contracts where I have to specify this by myself, but WHEN? with the day I exceeded the running performance by 1km? Contract was concluded last year in May: have now in 1 year and almost 2 months 30TKM instead of 10TKM acc eight. Who says the insurance company, that I did not actually drive only 10TKM last year and the 20TKM only in this year? is there an opportunity to resist this? Thank you and greeting Martin

Hello, last Friday my Polo V was stolen, police and insurance were notified. Now I took the police in my hand and had to find out that the stupid insurance aunt made wrong information, as for example that the vehicle is “regularly parked in a garage” I don’t even have one. Then wrong information about my work done, at the alliance I am officially car dealer at the same time I am computer scientist. closed insurance for incapacity for work I am “seller”. I have not yet received a letter from the alliance but I have to describe the history etc. Not that this garage I have not broken the neck and get my harm regulated. has someone made similar experiences or has tips for me ? mfg

Hi someone knows if there’s a list somewhere, which car has about what liability class? I’ve been annoyed with tariff calculators of insurances because they’re all so confusing. reason is: I’m going to be 18 next month and looking for a car that’s very cheap in maintenance (sprit consumption, insurance) and wanted to find out what the different models cost about a year. I can let the car on my father and the insurance from my 125er, which runs on about 30%, take over. since there seems to be no cross-brand forum here, I also write the rest here: the car should cost less than 1000€ and be very cheap in maintenance. on any comfort I do not put much value. in case of minor problems or reperatures I think that I have the possibility to fix this myself. I have calculated the prices already for several cars (ford fiesta, opel corsa, opera astra, vw polo ….) but there have always come out very funny results with the tariff computers. what do you think still for cars in question? I don’t mind if the car has a little more ps for its size and maybe is optically and technically a little more sporty. it doesn’t necessarily have to be a small car, but I think that the cheaper ones are. I’m sorry that I’m asking for several things at once, but I didn’t know where else to write in the rest.

Hello, yesterday I drove my car when I wanted to work (and had to turn my car around) to a black Skoda Octavia. At the front of the fender there are a few Krazers, I hit it with my side. No dents in it. Unfortunately, my car is silver, and the “approached” black. Looks actually worse than it is. So far it hasn’t been nice, but now it’s complicated. The road in which the whole thing has taken place is a construction site. One The road is empty due to canal construction work. At the beginning of the road there is a great traffic sign “250: ban on vehicles of all kinds”. However, what does not bother the residents and the administrative office. Further on: the car parked in a company entrance, blocked the pavement and with one half stood still on our property. We have a permission to park there. That one can not drive there I pointed, but it happened now. I as a driving vehicle is I didn’t know exactly what to do, and out of anger that the guy put himself so stupid, I went to work, wasn’t that bad, at least I knew who the car belonged to (relationship from the neighbor). The car is now way, and now I went to the neighbor early and wanted to get the phone number and name of the car holder. But since the neighbors are so incredibly friendly, I became (with my nice I just don’t have the words. Yes, she doesn’t know where her brother is, she doesn’t have the phone number either. If she sees him again, (comes every weekend) then she asks him about the scratches. But with a kindness I was told that…. Should have left a message yesterday. Now everything is getting worse. Don’t know what to do at all, would like to go to the police right away, but my parents have the same I would be very happy if you could help me solve this problem, because that’s what makes me more than create. Thank you for your contributions….

Hello, last week an elderly lady drove us with her scooter into our Voyager. The reviewer estimated the damage to approx. 4500 euros the current time value (before the accident) to approx. 6000-6800 euros. That was only the reviewer’s date – written report is still outstanding. Now he explained to my husband that if he wanted to have paid the damage, the residual value would be determined and then we would only get the difference between residual value and replacement value. he circumstances – so the evaluator could happen that some dealer would offer 6000 euros and then we would only get a few hundred euros. I already called yesterday the evaluator (was not present at the date) and told him that he should refrain from hiring in a residual value exchange and tell us the residual value that we can achieve here on the regional market. To my knowledge, I am not obliged to have the car set in a residual value exchange, o By the way, the expert said to my husband that it would be better for us if he put the car in the residual value exchange than if the insurance does. Now it is true that we will drive the car in any case until it “falls apart” with 4 children on a large car and a new purchase is not conceivable for us at the moment. We would like to pay off the damage first – but basically we want to repair it later nevertheless If we only get a few peanuts, we can not pay for the repair in the amount of approx. 4500 euros later. Why is it done like this? The damage is calculated in the amount. Please clarify the stupid, please.

I had a car accident in Italy a few weeks ago. Since I had completed a foreign damage protection insurance with my HUK24, my insurance is responsible for the damage handling. I am to a brand workshop, have assigned to it the handling of the damage, this has ordered an expert, according to the report about 3700,- Euro repair costs. After a few days my insurance confirmed your entrance clearance and paid expert costs. Repair for 5 days in the workshop, when I picked it up, I had been told that the driver’s door was more damaged and had to be replaced, so a review had to be made, repair costs are now at 4700,- Euro. Since a month no longer heard anything, my insurance even at this time transferred my remaining receivables (value reduction/loss of use) to me. Now I wrote to my insurance company that I had a copy of the repair This was sent to me. However, with the indication that an audit of the repair costs is carried out by an expert, and then you get in touch with the workshop. The Werstatt has so far received an advance payment of 3000,- Euro. Now my questions. Can something still come to me personally? Or is this a pure problem between my workshop and the insurance company? I have nothing to do with the inspection and was not informed before. Besides, the difference from the inspection to the repair invoice is only 300,- Euro… Thank you for your information.

Hello, what happens if you now cancel the car insurance on November 30 and no other insurance company signs a contract? Then the old contract remains active? Then the conditions for the valid from 1.1.09 or the old contract remains as it was concluded?

Good evening community, I had an accident earlier at about 17.30 clock (dark and road wet) whereby I overlooked a cyclist, or could not estimate his speed exactly. To the brief explanation: Was on the main road on the road, at the edge of the road there is a bike strip where also a cyclist was on the road, which I had also noticed. A few hunert meters further I wanted to turn right and had looked in the side mirror, the cyclist was in the first moment still we It was removed (though I thought about it) then turned off and the cyclist banged me in the back, but had already turned off 3/4 with the vehicle. Ambulance police of course informed and recorded the accident, now the shock of course still sits in the bone and ask me a bunch of questions. Of course I am aware that remote diagnosis is always difficult to judge, trotzdem I hope for a few helpful answers to my questions, which I a among other things, I wanted to point out that the cyclist came with him to the hospital, was later released again. I went home to ask his wife / family how he was doing. Luckily he himself was at home and had asked me in and accepted my apologies. Now my questions: Who now answers the question, if I am guilty or if the cyclist gets a co-indeed? What comes to me? Driver’s license away? Building seminar? How will my insurance respond to the incident, have a driver’s license on 13.08.2015 and currently pay 120Euro insurance( per month), the contribution will probably increase dramatically then,or?