Category: KFZ-Versicherung Forum

Hello dear community today I have once turned to the insurance of my previous owner. it is about the following. I bought a car in april 2008. I have not taken care of all the documents of the previous owner HEUTE. among other things there was a bill about the renewal of a frondscheibe ( 450 euro ) with me. However, the front window has not been renewed yet. bill of 11.2006. since it happened to me something funny I have now with the insurance afterfr agt. and fact. renewal front panel 11.2006 renewal front panel 4.2008 since I bought the car however 4.2008 with defective front panel so there is no renewal found. with the disc it is still the first disk of the car. everything else now runs just over the insurance of the previous owner so it comes a review and looks at the thing and then there is probably a really bag. there can only be said again and again. honestly worth at the län gsten. don’t understand what’s going on in some people’s heads. and then you’re surprised that the insurance contributions are so high. what do you think now? the 2006 bill is up to me. so I guess it’s also paid. just call the factory town and ask when the new window is coming? Mfg Patric

Hello I have heard that there is no fictitious settlement after a liability damage is possible. The opposing insurance wants in any case an invoice and after the invoice is also paid. (The lawyer also prefers repair invoice) And another question, may the opposing insurance simply reduce the wage costs because the allegedly overpriced. Opinion would be made at the ADAC. Total total 1500€uro insurance wants to pay about 250€. less. Ic h wanted the car to repair itself, that I can save something. But if I can no longer fictitiously calculate it is not worth it. Then I prefer to bring my car to the Mercedes and have everything repaired properly with all the new parts. Andreas.

Gun Evening, I have a question! I’m just doing my civilian service and I hit a stone last week at a clinic with a service car. I got off for a short time and saw what was broken on the car. Since only the right side skirt got scratches and pressed in I drove on (had just 2 passengers on board). When I was back from my tour I reported everything logically white to my serviceman. Was also not a problem. The clinic called my boss and wants to report me now because of driver’s flight! What can happen to me now? I thought about a lot at that moment, would have been informed in the clinic also if it had been a fence or another car, but not with a stone lying on the green area as a limit. Since I still have probation time it would all be pretty bad… Can they really have something on me? Greetings

Hello, I had an accident and the accident is in clarification (will probably end in court, opponent has refused a bus money notice and objected).Nach to the advice of my lawyer was prepared an expert report (damage value: approx. 3700 €) and the car was also repaired (invoice over 4500 €). Both were charged to the opposing insurance, which however logically does not pay before the case is clear. Now I have today from TÜV Rheinland a warning for the review according to the TÜV expert at the report, he said that I can have the report drawn up by the assignment declaration to the opposing insurance company and then if the accident is still in clarification, it will probably also be put on ice until the question of guilt has been clarified. What can I do now? If I pay the report myself and the accident has been clarified, I probably get the costs back, for example, with SChuld of the opponent, or? How can I get it back? But if the debt is divided 50:50 (or 30:70), can my insurance then, for example, refuse to take over the partial costs (my UK must then partially regulate my damage and I remain on the cost?

Hello dear forum community, unfortunately I couldn’t find another forum in which my topic would have fit better: last weekend the following happened to me: after a disco visit I sat in my car again at 4:00 in front of my front door to still smoke one or the other cigarette and to listen to a little music. Since it was already quite cold and the battery would not have lasted long through the music, I switched on the engine (without using it) I had to park the car at about half past nine on the foot, because no other parking space was left and I was still standing there. Unfortunately, I had to fall asleep in the car. This led to a local resident alerting the police after about 1 hour, which then woke me up and took me to the station. Result of the alcohol test (which can be used in front of the judge): just under 2 promilles. I was able to contact the police officer. This was the reason why the gentlemen also discussed the report and gave me the driver’s license for the time being. In addition, the car was in a parking situation in which I could have brought the car in the last 3 hours only very hard, since it had been quite parked in the meantime. In an alcoholized condition it would have been almost impossible. And as already mentioned: I have come to the police. The question is whether I can lose my driver’s license even if only the car was running without me driving? And as I said, the car was not on the road, but on a footpath or smaller place. What could I get to do? I am still in probation at the age of 18 years, but I have not yet had any debt… One of the police officers me I’d like to know what I have to expect. Thank you for your answers! Greetings, but I’m not sure that anything else will happen after his experiences, but you could never be there. My driver’s license means an incredible amount to me and I’d like to know what to expect. Thank you for your answers!

Halölo, I have a little problem with my insurance… I am always charged my insurance contribution from my account at the beginning of the month (partial cash 40.83 Euro) Unfortunately my salary came this month (November 2008) a little later than usual. Insurance contribution was tried to debit in the morning and then my salary was on it. Now the amount of 40.83 Euro could not be debited. I then transferred the amount immediately in the afternoon via online banking. i called the insurance company and told them about it. Well no problem said the young woman on the phone. You need now a new consent on my part that the amount can be debited again monthly and sent me a letter to it. Ok I thought… That for everything I would have needed a little longer already. Because nothing came and also not was automatically debited I then for December and January the money myself by online banking to the insurance company with all the data necessary for the insurance to recognize for which car the post is. Now I had a letter from the police in the mailbox yesterday since 21.11.2008 the insurance cover has expired. But there was absolutely nothing from my insurance, no writing nothing… contribution was paid, where did he stay? Did you put yourself in your coffee box? I checked 2 times and everything went right at the transfers. We Monday immediately call insurance and clarify it. Now it says in the police hearing sheet whether the vehicle was moved since 21.11.2008, it was clearly moved, first because we need it and second because we didn’t know there was no insurance cover on it. What happens if you write in the sheet that the car was moved anyway? Or do I have to do it at all? Greetings and already many DANK

Hello I greet you. It’s about my new insurance for my Astra G. I signed a contract with the insurance HDI on 23.12.08 (partial cascade without deductible). According to the contract and also after agreement my car should be insured from 01.01.09. In the contract also my account data was entered, so it can be debited monthly. But now I was wondering why still today was not debited. I called with the insurance, and no one knew I am of course shocked because I was on the road for the last time without insurance cover. A friendly employee took care of the matter immediately, and first of all registered temporarily, which I enjoy insurance cover. In other words, I got a rather long number if something should happen that I can specify. M Unfortunately, I haven’t heard about it yet. And I’m really worried now, what if I should have an accident. How can it happen at all that I had a contract concluded on site in an HDI branch, but afterwards nobody knows anything about it? How should I go on? MFG Devil

Dear community, what seemed to be simple at the beginning is now getting really complicated. I moved from Austria to Germany. Meanwhile I drive my second car and have not built an accident for 11 years. The first car was insured, as is often the case, on my father. I drove that for 9 years without an accident and then took over the classification for my current vehicle. I also got confirmation of the damage-free years from my current insurance, which is in the lowest level, but shows only a history of the last 2 years, namely since I bought the car and insured on me. In Austria it is no problem to let this classification be transferred, in Germany I have already classified 2 insurance on the SF2, which I do not want to accept. Short information on the German and Austrian system: In Germany the damage-free years apply. In Austria basically also, only those in a r Bonus/Malus scale counted: As a beginner you get the level 9 (100% contribution) and you pay if you don’t cause an accident, at some point until level 0 (40% contribution). Then there are some levels above the 9 for motorists that cause a more frequent accident and also a few minus levels if you drive longer without damage. Currently I am at level 0 and should be classified in the SF11. If I am graded into the SF2, I pay much more. t my old insurer in Austria was to confirm the damage-free years of my first car and to provide my father with a confirmation that I was the driver. That was out of the question again for an insurer here in Germany. As long as my name doesn’t appear on a document, they don’t want to go into it at all. Has anyone had any experience with it? Thank you very much!

Hi, last week I got a scooter into my car (Smart 450, BJ2006). Guilt question is 100% clear. I had a KVA done. Result approx. 1280 gross. Opponential insurance has released the reperature. Since I am a screwdriver I want to do everything myself and would like to have the damage paid out. Then the opposing insurance offered me approx. 800. On the VAT I have to vetch, that I know. but the 800 are approx. 75% of 1080 net KV A. Insurance said she had found a workshop with a lower hourly wage in my environment that makes it “equal”. I then called and said that I did not agree to it… The KVA is accepted, but if it is about paying out is traded… If you want to use an expert now, the insurance said that would make no sense because a KVA is available. They would not pay the expert. Now I stand before the decision either the 80 0 euro to take or get repaired. Or of course an expert report and argue with the insurance. Hope you can give me some advice! Makes sense now? Who pays the expert report? What would you do? Thank you for your help, Jan

Insurance Wirr Warr The Internet is used more and more frequently for car insurance, as well as many other insurances. In this case, one usually makes mistakes unknowingly, which then usually make itself noticeable in the case of damage. Then usually the insurance is motivated, what holds the stuff. Only why not go to the professional. Why do you not use the services of an insurance broker. Does this cost what? No, he does not. Internet conclusion is e infach, but is it better? So I just ask in the round, what prevents one from doing so? Bad experiences? Who would like to get more information just contact me or check over on my website.I can only seriously warn against using the services of an alleged “PROFI” as the TE presents itself here. Who does not even get it up to the row to read the few lines of the terms of use, should be in the tariff and Bedingu ngsdschungel the acecurances know? Never in life – it is also foreign money that is fried there. twindance/MT-moderation