Category: KFZ-Versicherung Forum

Hello together I hope you forgive me for asking me the probably 100’s question but I think that’s something special; And that’s my girlfriend coming from Hungary, she drove with her Hungarian BMW to Dt. now she has a 2 car in the back drive in> Beule at the rear apron. According to BMW about 1,000-1,500€ There were no witnesses, but there were no photos taken where both vehicles were on it, the accident opponent and my girlfriend exchanged the data (address; phone no.; Num. mernschild etc.) They agreed that it is possible without police and possibly also without insurance, she should bring the bill to him then he pays the amount. My friend meitne that she wants to have the damage done in Hungary because it would be cheaper for him, he thanked for it and begs her again that YOU do not “mistake” him and only let this one damage be done to the vehicle. So my opinion is that it was quite stupid and blue-eyed to handle it without police… Now the question How should I proceed? So report it to your own insurance company or locate the enemy and report the damage there or how do I find the opponent. (police with license plate?) What if the accident opponent suddenly turns and claims to know nothing and does not want to pay anything? Stupidly run??? My girlfriend drives back to Hungary on Saturday and then stays about 2weeks there is a problem? How would you proceed? D anke for the answers.

Hello Would like to ask you a question on behalf of a colleague of mine. He has been running his motorcycle driver’s license since May 2011 and also since the new machine on his name at the Huk. He has had the car driver’s license since January 2011 and has been registered on his father’s car since the autumn of 2011 (but he ran at the Allianz). Now he wants to let a car in his name (must say he is 21 years old) and the Huk offers him, with SF 1/2 with a car Is that normal or rather n bad offer? Of course it depends on the final sum, which he has to pay on it and not on the % but what do you think about it? With the year turn this is right with the SF 1/2?

Evening, I just drove on a main road in Dortmund over a fallen branch. The ast has in the front the dipped light, mirror and various.Kratzer at the passenger side. I immediately stopped on the road, and called the police. The policeman took my damage with pictures and photographed the branch. Had then asked him if someone would probably pay for the damage… He said the city has to make sure that no big branches land on the road,and d he Staft probably is liable for this in the normal case. He then indicated me as an accident-damaged person in the accident arc and practically declared the most responsible city of Dortmund. He said to me the city of Dortmund would report to my insurance company in 3 days at the latest. Now is my question do you think that I will get the damage paid?

Good morning together, my friend wanted to drive my car to work earlier (6.00 in the morning) (she is included in the insurance contract, so the car is allowed to move) and slipped into a guardrail while turning inside. I have to say that we have ice rain here and all the roads are mirrored. Even the winter service did not come up a small mountain. I drove to her and called the police because of the damage to the guardrail, which then in addition still v The car, Astra GTC BJ 2006 is partially cascade insured, the damage to the guardrail should be covered by it. The damage caused by the police is paid by their insurance. Only the damage caused by my girlfriend on my vehicle remains. Do I have a chance that my partial cascade will pay something, or does her private liability have to pay for it? Thanks already for your answers! Greeting, Andy

Hi, I had an accident on the A9 in June 2011 caused by a cyclist. In short: I drove on the left lane as the car suddenly braked very strongly in front of me and then evaded very quickly on the middle lane. About 40 meters before me a cyclist came to meet me. So I had only the choice to re-semmel the cyclist or also to avoid the middle lane. I decided of course to avoid it. Problem was that there was only another car driving there. However, vehicles were kept within limits, both still ready to drive. The cyclist was unharmed. The guilt question was clarified a short time later, the cyclist was of course unreservedly to blame. Since the highway mastery was already on site and the police in sight I had good witnesses. Jetz my problem: Before the whole came to court the cyclist managed to kill himself even more. Jetz tells me my insurance that I am upgraded in the liability (since I In addition, my own share of 500€, the paint adjustment for 250€ (not taken over in case of casco damage) and no rental car for the repair period (not taken over in case of casco damage) is added. That means that I should pay a total of 700€ for an accident that I am not responsible for?! Can my insurance really do this with me?! I realize that the money has to come from iwo but why is this going to be all the more dangerous? over my insurance, and above all, over me?

Hey yours, I have a huge problem. Short summary: -21 years old – driving license since 16.04.2009 -95,000km accident-free so far -until May 2011 insured with father as 2nd car. – from May 2011 Father paid the insurance no more without saying a word and I drove without insurance until I got a letter from the road traffic office at the turn of the year, which either need an evb number or I have to log off the car. -on 2.1.2012 Auto deregistered and se I can’t drive a car anymore. I’m looking for insurance now. I’ve compared it everywhere, I’ve gotten 1000-end offers. Under 130€ a year is nothing to tell me. I drive Corsa B from 1996, which is worth 1000€. And that’s just way too much money for me. Problem is also, with the insurance that have quit us is always asked about the percentages and no one wants to take me because my name was pulled into the dirt even though I knew about it garnix I won’t be able to assure myself about my father. 1. because of what happened and 2. he lives abroad. Unfortunately, I don’t have any other family that could help me. Does anyone know a way out for me? I’m perplexed… Thanks for reading.

Hello, how do you see the question of guilt ? -Drive my car along a highway – there comes a curve -70 km/h limit – line follow -Limitation is lifted at the end of the curve – 100 km/h – – on my track is another vehicle -drives with about 30 km/h -there is no -no blinking/no braking of the vehicle ahead -no road junctions to detect – turn signal set / set to overtake -on the same “height” of the vehicles of mine was front -running the other vehicles -to the “height” of the front axle -Thank God no injured –In the vehicle that I have overtaken were 3 farmers/said You have flashed -to turn on agricultural road -reported the accident after 13 days – gets parking tickets over 35€ from Ploizei Damage to me BMW 520 D Touring EZ 30.3.2011 – 17000 € (axis front, steering gear, front landing etc.) Damage to the other – Ford Escort – old model – value max 1500€ / Total damage How do you rate the Injury Thomas

Today I was terminated my insurance. By 29.02 I have to look for a new one. Of course as a customer I am completely upset about the way. Background: I had a liability damage 2 times last year: IN total a good 500€ damage for the insurance (both times parking damage, on our car every time no damage occurred. In addition, the bad luck was that I had 2 windshields in a year. For years no and then 2 in a year. n has been insured there for over 20 years, also with a second car (accident-free). I have my building insurance; etc. also there. I am now set directly by SF15 on termination. What annoys me is that I had let myself calculate the damage in the middle of December last year. I was told that I would have bad luck because I had 2 accidents in a year (because the sum is uninteresting), I would now lose 14 years and be reset to 85%. The new amount has already been communicated to me, Why didn’t they already tell me that they were canceling me? The sum of almost 350€ incurred for the accident can’t be the reason. I’m surprised that you don’t consider the total amount of the damage, but the number of cases. For example, the sum is well below the total damage of an acquaintance. There, the liability and the VOllkasko occurred. However, he wasn’t kicked out. My whole family has been insured there for years, but there is no reason to talk about it. can give me a tip for a new insurance. Greetings ! pargafan

Hello, I unfortunately had a debt accident with lighter sheet metal damage today. I was with the accident opponent afterwards at a workshop and the man said he would repair it for 450€ (only his vehicle, mine would charge again with an additional 200-300€). I had called the insurance, unfortunately I had no discount protection in the tariff and would be regraded from SF22 by 11 years (!). Can anyone tell me what more is worth? MfG, amar7 PS: Besides Since then, I have always driven with a KfZ to my father’s name as a policyholder and myself as a holder. Can I slowly get rid of it now without starting with SF0?

Hello, you often hear that in the event of an accident you can cause damage of several million euros, in such an accident usually the insurance companies pay. But now something else: A mid-twenties or thirties person goes or rides (by bike) on the road, by a mistake 100% on one side an accident happens whose damage causes several 100,000€ or more. I know many who have no private liability or other things that happen mi t this person? ..from a legal point of view? The accident was created quite clearly unintentionally. Thanks for the answers, if you are not sure with his answer then nothing write, unfortunately I experience that again and again some here comments collect posts like other pledge, does not have to be. Great would find answers with links to the review.