Category: KFZ-Versicherung Forum

Hello, here’s a tip for people who want to switch to the HUK24: Don’t close directly via the HUK24, but via the Postbank:Postbank Advantage: 1. You support the distressing banks (unfortunately, the insurance contribution is not deductible as a donation) and allow them to continue to pay premiums and severance payments in millions. 2. You get a 25 Euro Amazon voucher and a 25 Euro Shell fuel card. To my knowledge, you don’t get that if you go to huk24.de PS: This is not an advertisement for the HUK24. Everyone has to see for themselves which insurance is the right one for him. This is just a tip for people who have already made this decision! PS1: I am neither HUK24 nor Postbank employee!

Hello all, I have the following problem: a year ago I was more damaged in a traffic accident. classic case: sideways the opponent has striped my car. the opposing insurance gat then also get the opinion. the insurance did not want to pay, so a lawyer was turned on. at the request of the insurance a comparison of the vehicles was carried out. result of this: the expert who carried out this comparison, dekra, told me, that the car had already had an injury at the place – of which I knew nothing, because I had bought the car used. about 20 % of the amount of the first report submitted by me was deleted. now I thought that I would get the money. the insurance does not want to pay, so go to the lawyer lawsuit finished now I get the message from my lawyer that the insurance presents a comparison offer: exactly the half of what I own The lawsuit was filed about months ago, but the court has still not become active. my lawyer tells me to think carefully if I don’t take the money, because he thinks that we have a 50% chance in court and should I lose, so I would have to pay the cost of the opponent! did any of you have such a situation? why only a 50% chance if I am the injured one? I don’t know what to do! I think I’d be very happy about comments and tips, too.

Hello, I bought a new car and I would like to keep my old mill and drive it every now and then. Since this would be my first second car, I have no experience in this regard and was surprised that the SF-Class is tied to the vehicle by the insurers and not to my person. I.e. the insurer does not care if I drive the old car only occasionally. On the contrary, I have to go through the lower SF-Class (always 4 instead of only 1/2 ) pay significantly more for the vehicle, because I transferred my previous SF-Class to the new car. Alternating license plate is probably no alternative, I have read… Is there good reasons on the part of the insurers, why this is handled so? Thank you!

Hello, I used to buy a car from private. I drove home with it. Approved to the previous owner. The next day to the registration office with eVb number of my new insurance. The registration office has no appointment free, only in four weeks. I drive back. The next day I turn with the car a small round and cause an accident: spider at the window and trying to blow it out, drove too far to the right and into an old parking Mercedes. Jet My question: Who is responsible for the damage? The insurance of the previous owner? My new insurance? I alone Thank you in advance, opriema PS: My insurance means, does not know exactly, the previous owner insurance is obliged, but nothing happens to the previous owner, he is not upgraded, because I am the new owner according to the purchase contract. The previous insurance says, yes, we take on the damage case, but as if it were the previous owner’s, so with upgrading. In addition, they ask who drove the car, because I am not a policyholder in the papers. Very confusing. What can I (or the previous owner) do for the fact that the registration office has no appointments available?

Hello, I had an accident again and unfortunately the cause of the accident is insured with the HUK. The damage should be 3-4 tsd. The question is how to deal with HUK. They say that I can do an expert report but they can not guarantee that they acknowledge it or pay it and as well as commission DEKRA. I had 2x HUK as an “opponent” and 2x went stupid. The first time someone damaged my wife’s car and I have an expert myself. agt. He has estimated the damage to 1770 €. HUK did not recognize it and commissioned DEKRA. DEKRA calculated 1745 €. I should then pay my expert himself. The second time someone drove me in the back. To avoid the stress I drove myself to DEKRA after agreement with HUK. In the end I had received 700 € instead of almost 1000 €, which a body operation assessed. I unfortunately had a lot to worry about and I accepted it so much. What can I do now? ? I want to get this club to pay the (fair) maximum for the damage. Do you have a Ratscglag for me? Thank you very much

Hello, after my insurance has determined because of a damage case that I drive more kilometers a year than they want to assume now more money from me. Since this insurance (Zurich) is already one of the most expensive (I was only there because my insurance person with which I have other policies is really good) I would like to switch to a cheaper insurance … Question: – Can I now exceptionally cancel due to the adjustment of the insurance contribution? – Which Car insurances do not take into account any mileage – – Which reasonably favorable insurance is recommended? (have full and partial cascade, for 30 years accident-free + civil servants tariff) Thank you and greetings!

Hello, I know that the holidays have already started, but I am a student and actually have a serious question about this topic. I’ve been playing at Lotto/Eurojackpot from time to time and have come to the conclusion that every car can be reached financially from a certain profit sum (in my opinion starting at 20 million+). However, I find no figures when it comes to maintenance. So e.g. current Aston Martin for 300,000 euro+, Bugatti Veyron for about 2,000,000 euro or Astin Martin On e 77 for about.2.500,000 euros. There are no specific data and at all no insurances seem to offer anything. Can someone tell me here how such luxury vehicles are insured, and what people pay at all in the month on average about? Of course it is different, but I asked for a few insurances and there came immediately: sorry we do not insure such expensive vehicles. It seems extremely difficult on me to insure such a luxury object, u And I thought in a car forum I found some answers

Here’s what happened to me: I’m sitting in my car in a parking lot, there’s a silver VW Polo parallel to me on the right. The driver comes to the car and opens her door on the left and bangs it in my car…Kratzer above the wheelhouse I’m getting out, the driver speaks to what that’s supposed to be…then just “Oh there’s nothing anyway”…you and a man get in and drive away. Then I called the police…the officer directly “There’s nothing to write!” In spite of the accident escape, no message…confirms my view of the German police…no matter. So I call the insurance call, let me connect with the insurance company of the woman…everything clear, car I can bring tomorrow to the workshop incl. car rental etc. I took photos afterwards at the woman’s home, where her car was standing, because the police did not take anything…just such an accident. In the pictures you can also see that the woman’s car has damage on the paint of the door exactly at the point (so on the edge stop). Question: Can something happen to me, say the woman contradicts, the man who was there attests this…so in the direction of photos as evidence I would have, with the license plate of the car…how does that happen at all?, if they contradict…or is the small damage not investigated at all?

Hello first of all, we had an accident in February (that is, a little earlier) or my sister had an accident with my car. (was reported to the insurance company for that day.) We immediately reported the accident to our insurance company. It was like this: My sister drove backwards from a parking lot to the road, at that time there was no car to see, she put in the first gear and wanted to leave when it crashed. There are also witnesses who confirm this, that the car of the accident The enemy just shot out of the opposite street without paying attention to the STOP sign. Police were called and the accident opponent repeated over and over again : I thought I would pass it. Until the father came from him, everything was different from there. After two weeks still nothing happened, so the insurance from the guy got out and called and he had not even reported the accident. ( Now say don’t take a lawyer, we have already turned on) I myself ( Class 🙁 Now our lawyer sends me a letter to which our insurance company paid the opponent of the accident. But we don’t have to accept it that way so it’s going to the court. What interests me, however, can be done even after the repair of the car, because that was the case with him. A week after the accident he drove again with his car through the area (father is car master) and what I have my Anw old forgot to ask why he got paid off the replacement value minus the residual value, because his car is driving again and he has no new one. As said witnesses there are also the confirm that my sister had no guilt. Hope that I didn’t write too confused, but if I get upset it can happen that I write something confused or mess up something. Mfg lunapie

Hello, it comes now more and more often that I have to be mobile quickly, I played with the idea to buy a car. The meßen will know it, the father does not leave one at his BMW first time to me, I am 23 years old, study in Munich and have my driver’s license since 2010. In addition I have driving safety training at the ÖAMTC, where I am still 2 years free membership. My parents have a 5er BMW which has been registered for them since 2007 as first registration i In the SFK they are about 35% and pay about 240 euros for the insurance. So far the insurance never had to enter. I hope now have communicated all important information. My question is what a car would cost me in the maintenance monthly. I am clear that there are many aspects that keep the price differently high/low. But first of all would only be a rough value so I even know if it is affordable for me at all. I would have known that their old In spite of the high prices at the moment, it doesn’t matter, because I need the car at short notice and not for too large distances. I have already looked at a few online offer calculators, but they fluctuate sometimes very crazily and are incomprehensible to me in certain parts. So pi times thumbs expected, I would have with such a small “Spuckerl” which runs over my parents as second car, with 200 euros per month. Realistic? Would be happy for many posts that help me. Thank you