Category: KFZ-Versicherung Forum

I’m a student, I’ve got a lot of noise in the recyclable gag jemanten, I’m immediately exhausted, he’s also started looking at me where I’m going, I’m going to give it to my fault, I’ve looked at my stick, there was only a jerk not even a scratcher, in there’s always the stick split he just looked at his car and said it was true and I’m going to go on the whole thing didn’t take a minute he wanted nothing from me, too didn’t have insurance nr. or tel. nr. no nothing he wanted to know a co-screw has seen me with the other drivers now my question can he show me later or something?

Hello car friends, since I could not solve my problem after several times overflying the forum, I signed up to ask for advice. Situation: I had an accident in Feb 2011. UN was with SF4 (65%) my mother directly with DA. Since the car had total damage, I now got myself one in February. With the insurance DA directly it was agreed that I now take the upgraded insurance on SF2 (85%) my mother for the new car from April. D I paid for the rest of 2011 SF4. (I was registered with Auto A as a driver and have my driver’s license for more than 5 years) So on: Now I thought to myself. If the old one and you switch directly to the super-cheap admiral. Only liability. When registering via transparo.de you were asked if the current insurance would have to regulate damages in the last 3 years. I have negated this question, because I assumed that the current insurance is NEW on my name l When registering, I also indicated the next level of SF3 for the year 2012, as it was there that you should look at your last billing and take the next higher. So far so good: Now that I only quit by registered mail this morning and my current insurance still knows nothing about it, today the contribution invoice for the year 2012 came in by post and I almost got scared at the tip of my tongue. Now it is true that I am being upgraded from SF4 (85%) to SF 1/2 (140 %) due to a damage to be regulated in the current calendar year. And the contribution rate is going to be immeasurable. My question is now: -Is this all correct and I’ve read something out of my mind and I’m falling on my nose now? -Or has my current insurance made a mistake? -And what am I supposed to do now with the new insurance, of which I s -Do I have to call them now and have everything changed or how? (I’ve never had such difficulties before.) As long as I don’t know anything more exactly, I’ll wait until the current insurance contact me for termination and discuss everything with her. Do you have any advice on how to behave? Do you really have to turn every cent around to pay my tuition fees. nk in advance Neon driver^^

Evening @ all. I have already found some information via SUFU but not 100% my request. Furthermore I did not want to dig out an “old thread”. And this is about the following. I got a job offer in Austria, which I will probably accept. Now I have a car, that is registered to my friend, because I did not have a Perso at the time of registration. Since the registration office wanted to have around 70€ for the re-registration (incl. sign, since I have my I just thought I read it that way. That it is not allowed in itself to drive around permanently with a German car in Austria is known to me. If it were theoretically possible that I had the car melted in DE, because my girlfriend “officielL” does not move to AT. If then she is there to visit. Anyway, she would not want to sign off in DE anyway. We or she (but probably we) would be every 7-14 days (on the weekends) She or we (we live together) don’t live in border seas, if that doesn’t matter (700KM away from AT) Please don’t get me wrong, I’m not talking about a tax hindrance, because according to the computer the tax would be about the same. I’m more concerned that the vehicles, as I was told, are simply better insured in Germany. According to the insurance man in AT, there would be no Kasko for a car of my age class. And since my car was not covered in Germany. to really is still in a very good condition, I would of course like a partial cascade. Thank you already in advance!

Huhu, I’m new here is the Steffi. Sodele now I have a problem: I ran over a red traffic light in dense fog. I drove even more slowly and first turned on the fog lamp on my car. Then I looked into the rear-view mirror briefly to see that the one behind me also sees. Then came the red traffic light, which I saw too late. Another car came from the right. I braked immediately and left. Unfortunately it wasn’t enough and I caught the car still on the rear axle. Plums – accident. I was very shocked, because I am actually a very careful and careful driver. I had never had an accident, or drove too fast. The other driver on the top was very friendly and helped me. Since I didn’t know exactly what to do he regulated everything and also did not call the police. There was also no personal damage. I am fully insured by my ex-mother-in-law, with whom I I don’t have to worry about an upgrading of the insurance, because at that time I guaranteed that this would not happen in the event of a self-inflicted accident. I don’t sink in a year. But that’s not really my problem. Sodele my real problem is whether the insurance will take over my damage. My car is still financed and I’ve already talked to the bank that the replacement value – the current value to the bank ht. I can sell my car and buy a new car from it and leave the new letter at the bank for the remaining debt. Yes now there is only the problem with the insurance, since I received the questionnaire only yesterday is now just weekend and I just can not wait until Monday. Maybe you know if there has been a case that the insurance took over. Otherwise I would really have a problem because a car I need :-(. Thanks for your Antwo (Parliament adopted the legislative resolution)

Hello, two weeks ago one drove me into the side of my Ford Focus. I gave the car to my Ford dealer to have the damage repaired. He ordered an expert who included the following in the report: fenders and doors in front must be changed, truncated A-pillars re-directed, track must be adjusted and front wheels balanced, rear door must be co-painted due to color matching (silver). After 12 days (including 2 weekends) in the workshop I now have the car The next day I noticed that the gap was not at all right against the driver’s side. I have strong wind noises. The track was not set, because the car pulls to the left. Wheels were definitely not groomed, because the rusty weights are still glued to the aluminium rim and the rear door was not painted. Was on Saturday in the workshop to complain, but they sent me back home, because the responsible Master had his day off. A present mechanic briefly examined the car, but found this rather exaggerated to complain about it. Furthermore, they do not want to give me confirmation about the repair time, which the report says 5-7 working days, but were needed 10 WAR days. But do you need this to make a usage failure. How should I proceed now? How many repair attempts does the workshop have? Does it not have to work all the points in the report? Should it be stubborn? , what is to be done? The workshop gets money from the opposing insurance, can’t threaten that I will not pay the bill otherwise. Thanks in advance for your answers.

Hello guys, I have a question and I do run on my father with the insurance XY two insurance contracts, so for two cars (two different insurance numbers). Once my car (so I am insured with him) and his. So, now on Friday get a write that the SF (already again) changes to his car, although we already got the new one in January, so it changes again!! Now we would like to quit. My question is, can I both the n to terminate contracts immediately? or for the one “contract” I would in any case have a special cancellation right and for the other? He can have bad two insurances with two different companies?! With my contract we have recently also adjusted the KM annual performance has also come a post payment (logically- no topic) there exists also a special cancellation right, if the annual performance changes? In the contract found nothing about it… Would be grateful for your help….

Hello everyone, the following situation: I have been driving a vehicle for 8 years, which is registered on my mother. Since I am registered as a driver, it is probably possible to transfer the SF to me. I would like to search out a used car over the internet within 1 to 2 months, price approx. 30,000 €. That one then contacts the seller, an appointment for the test drive is agreed and so on is all clear. Hmm ok, I hope that I will soon be smarter to buy a car from private. he only ever set up a sales contract for authorized dealers Thanks already.

Hello people, Today I received a letter from the Landratsamt that says that I am no longer insured. The story started like this: I completed a car and private pension insurance with an insurance representative of ergo. After about 4 months a letter came that my previous insurance does not want to pass on the sf100. Then the representative came to my home several times unannounced and copied the invoices of my pre-insurer. The representative said from the beginning The half-yearly fee, however, was 350 euros. First the insurance man told me not to pay this amount, because it was a misunderstanding and after another 2 months I received the termination from this association. After this letter the representative called and said that I had a problem, because the vehicle was no longer insured. I threatened to go to the lawyer. Since this insurance group has already made negative headlines several times, among other things with the prostitutes for the best representatives or was suspected up and rip off the ergo in 2011. The representative said that he would clarify this with his superiors and then call me immediately. This is now 2 weeks ago and now the letter came from the Landratsamt. What would you do now?

Hello dear forum community, Recently someone drove me back in the car with the rear, the debt question is definitely sunny. After that I turned on my own expert because this is open to me as a victim. From this report I see now the following: expert costs 313.45€ replacement value with VAT 1000€ residual value with VAT 10€ repair costs without VAT 763.95€ repair costs with VAT 909.10€ Now I got from the DEVK a letter that the With the following list. Repair costs 763,95€ Expert fees 313,45€ Flat-rate costs 15,00€ —————- 1092,40€ With the following note: In case of billing on the basis of an expert opinion or estimate, the VAT cannot be refunded according to the law of damages as amended from 1.8.2002. Now to my question it is right that I get the repair costs refunded only without VAT,because if I I have to pay VAT, of course? Greetings Asrael

Hello together, about 2 months ago I had a “small” accident when I drove out of a parking space obliquely. I drove an older man with my rear bumper corner to the left side of his Ford CMAX. Unfortunately I caught the front and the back door udn to see was a small dent and a bit scratched. Since this was my first accident I was accordingly finished and forgot to exchange in the hectic at ADresse to take a photo of his accident. But be walking around his car, I noticed that his whole car was scratched and dented, which I explained to the nice lady of the insurance company on the phone. Well, now we got a letter, where it says it costs 500€ I thought I was crazy, since I am now being upgraded from 100% to 155%. Since I very much doubt that the guy only had the doors made or wants to make my question about you what I should do best. (I did not take a photo but 2 witnesses standing outside can say exactly where the accident was and how and what happened.) Can it cost 500€ if only the doors are replaced and painted? Why does the door have to be replaced with such a small damage? Thanks so much in advance Patrick