Category: KFZ-Versicherung Forum

Hello all, I have recently driven a scooter driver on the back (Stockstand+Heckklappe), damage according to the expert 1900,- net. The insurance (HUK) has reduced this by approx. 100,- Euro; reason: shortened settlement rates according to the DEKRA report (decision BGH of 23.02.2010 – BMW judgment?). a) Is this calculated? Unfortunately, both my lawyer and the expert are currently on vacation. b) My expert said in the review that I can have the damage repaired myself. , also by a friend (painter). But after the repair I should again to him with the car because of a new photo, quasi that the vehicle is again in the right place. What disadvantages would I have if I did not have this repaired, e.g. in case of a new accident or similar? Is the damage registered somewhere e.g. at a central place? Thanks in advance.

Hello community! I had an accident on my doorstep weeks ago. Better to say, I rolled a car onto my parking car. I live in a road with a steep slope. It was weekend, Saturday evening at 9 p.m., the car was standing in my inside and by the driver far and wide no trace. So at the first moment I tapped on driver’s escape (weekend, typical car from a Unter20 driver, possibly alcohol or drugs in the game). The police came, picked up that up, my neighbor also arrived The police rang five houses above us at the neighbors. It turned out that the causer had not properly put on his handbrake (or not put on the Gan properly) and he was warned orally by the police. So far so good. It has been weeks now. First I requested an expert who wrote me down almost 5000 euros. D In the meantime, the report has been improved, as the report had not been enough and the expert “something” was overburdened with my tuned vehicle. In the meantime, four weeks later, the report went out to the opposing insurance company with 7500 euros. In the first week, when I requested the reviewer, I also turned on my lawyer. So, now comes the crux point, which I want out. Since it took forever until the report was improved and the workshop as well as the expert apparently had all the time in the world (it was only about my car, I can see how I got to work), of course my nerves were blank and told the lawyer if I had to have the car repaired. He said: “No” we can do this on a total damage basis, but leave both ways open: Say: Either on a total damage basis or yet have it repaired. As I said, my nerves were blank. I had the anwal t said that the workshop “my trust” takes two weeks to call for the reviewer and make an appointment to improve for the review. My thought was: If this workshop (with which I have been driving really well for years) now also lays hands and repairs my car (the car had to be on the straightening bench, the entire rear was broken), I probably will not get my car in repaired condition again in 2015. So, meanwhile, the lawyer is I just got out and on Tuesday I happened to come by the workshop. Although I told the workshop very clearly that they should NOT do anything about my car until I know about the insurance (because I might have been out of the total damage base), my car was standing there. Fixed and done. I was surprised and asked: Why, why, why? The answer was: Well, we had time, and it had to be done anyway. Of course I’m mad at the workshop somewhere, but I’m not sure why. Finally, I am glad that she has repaired the damage on her own. Since my tuned car has no residual value anymore (including air suspension, LSD doors to name two big things). Here is the data: Economic Total Damage 12000 Euro Report: 7800 Euro with VAT (so I would have to get paid around 6000 Euro).So, now it comes: Of course, I got away with the repair significantly cheaper than the 6000 Euro that should be paid to me. Did I tell my lawyer that the car was made, and he said that the opposing insurance company could charge an invoice? Can she really do that? Bzw. do I have to show it then? The fact is, the expert has written down the damage and everyone I know takes the money without VAT, corrects the damage and still has some “pain money” left. I don’t realize that I should get zero out of there now for many weeks without a car. Is my lawyer now exaggerating and I am going out there even more than the fool than I am already anyway? Furthermore, there is a small point that is not as important as the now mentioned, but is also wrong. The expert described my car as “accessible to traffic” in the report. Even after the first “bad” report, I asked him how he could do it? After all, I found out that my car was “accessible to traffic” in the report. The expert (this ****) also ignored it in the second report to change the “accessible to traffic”. I said I can’t rely on adhesive strips and even if I have a car glued with armored rear lights, I certainly don’t drive around because the car was totally spoiled. So now I’m not entitled to a failure, which is bad, of course. As I said, my nerves are still blank, I can’t get the car until I give money to the workshop, I would be very grateful for answers because I can’t sleep properly anymore. Now that I’ve been in this matyrium for weeks and have finally seen light at the end of the tunnel after a long time, I’m afraid I’m going out empty.

Hi! I just clicked through a few insurance calculators, and I noticed that often part and all-inclusive are offered together. Also the nice insurance lady earlier on the phone did that. Unfortunately I didn’t really think about it at first, otherwise I would have asked them. But maybe this is still a FAQ post here. So: What sense does it make to have VK and TK running on a vehicle at the same time? The VK covers the TK services. I’m not going anywhere.

With judgment of 12.02.2012 the BGH has redefined the case law on the case law on the damage caused by minor damage. www.bundesgerichtshof.de/DE/Decisions/decisions_node.html There is no longer the actual damage caused by minor damage. The judges at the BGH justify this by the fact that in this way in the judgment statement “even the exchange of a bumper in modern vehicles can significantly exceed an amount of 750 euros”. Case possible and is also advised to the injured person in order to avoid possible disadvantages in the settlement of damage” the BGH Richter explained. A wise and practice-oriented judgment, as I think………. But read for yourself.

Hello, everybody, I have a question. About half a year ago my wife was involved in an accident. She had no fault. An elderly lady took her way out of the house, got into the door, she got thrown into the oncoming traffic. Fortunately, there was not so much going on right now that nothing worse happened. Damage is so about 5000 €! The police were on site, expert was involved and then a lawyer. Unfortunately, the vehicular has a problem. The last letter from our lawyer, however, has now surprised us a little. Since my wife has no legal protection insurance and with a possible process considerable costs could come to us, he asks after passing the last deadline for consultation. Don’t I understand?! in that the insurance is successful with a delay tactic Ggf. and comes around the rest of the payment and the damaged with the damage are left alone. What possibilities do we have then? We will now make an appointment with the lawyer for the first time quickly possible. Maybe you have already made some tips or similar experiences in advance. We definitely do not want to pay anything on it, for one thing we could not even do! Thanks in advance!

Hi, after a long time I also have something, which I can not quite get clear. So the following: I drove my golf continuously from 05.05.2010 (purchase day and registration on my name) until 15.07.2014 – there the golf was logged off. To be exact on 15.07.2014 and on 22.07.2014 again registered. In the week another car was registered on my name, but the golf remained logged off. Now stands with the car insurance (DA-Direkt) acquisition date 22.07.2014 and according to post calculator k omm me away a lot more expensive than with “first registration on your name” or “acquired date”. According to the hotline of the DA-Direkt, the contribution calculator would only be right for new customers, since the new customer bonus is deducted from the contribution calculator, which is, in my opinion, absolutely stupid. I also moved on 05.10.2014 and made me smart on 04.10.14 with the contribution calculator, there was shown that this is getting much cheaper (quarterly almost 18,- EUR) and n According to the hotline (which already read out an invoice, I was told) instead of the expected 18 EUR less, even 25 EUR more pay than was indicated by the contribution calculator… And according to the hotline it would be irrelevant, which purchase date would be in it, would not exist any before or after – but they exist… With date 05.05.2010 I would save 18 EUR compared to the old address, with the date 22.07.2014 I should pay more than the old apartment. Now the question is, welc hes is now the acquisition date? The car was insured from the beginning at the DA-Direkt Versicherung, the transitional car also and the registration from the golf also again at the DA-Direkt… I have already read that many of the opinion is that the DA is not really good, but so far I honestly never had problems with those, until Saturday… Hope one can help me further, because working just above the ALG II limit, does not make for such a thing any more fun…

Hello, Can anyone ever give me the following sentences in German? The individual damage history of the insurance contract during the term of the contract does not affect the amount of the insurance contribution. However, the actual damage history will be taken into account after the end of the contract future insurance contracts. —–Ende——- vehicle is financed by the VW bank. Does this mean that if I now report for example a comprehensive damage the insurance contribution does not increase. But if I the insurance cancels/changes, will I be classified worse with the other insurance? This is not a discount saver or what they call it?

Hello!! I have a problem and hope you can help me. I have registered a 125 scooter for about 15 years. Now he has been standing in the garage for a good 5 years and is only driven to the Tüv in order to possibly save a second car in the insurance. Now the scooter did not come through the TÜV and I should now decide what I do. Costs for repair would be 350€ plus TÜV fee. In the year I pay about 5€ to insurance. Now my question, should I give him a lot t better simply unsubscribe or sell without tuv to hobbyists??? or have repaired??? is it worth it insurance technical, if i e.g. in 4 years would like to register a car with the przenten of the scooter??? Thank youeeeeeeeeeeeeeee

Hello together, I would like to get your opinion on the following issue: I have been working in Liechtenstein for a short time. At the moment I live in a holiday apartment, but I will soon move to an apartment in Austria. Now on the actual topic. I own 2 cars. These are both insured because of the favorable insurance classification on my parents, I am “only” registered as a driver. Costs such as insurance, tax, gasoline etc. I carry myself. now, if I register my main residence in Austria – can I simply continue driving the vehicles with a German registration number (with my parents as holders) in Austria as a registered driver and use them for my daily use? Or do I have to register with both as holders and insure in Austria. I travel to Germany every weekend for a visit. What are the possibilities here? Of course, I would like to get the favorable insurance conditions. One of the vehicles has a seasonal vehicle and is therefore only used twice a year. The other is registered throughout the year. Basically, there is always a vehicle in DE and one in AT, depending on how I like to choose the car with which I spend the week in AT. I am looking forward to answers/statements etc. Thank you very much.

Hello dear forum, I’m new here, so I’m sorry if I’m addressing the topic for the x-time, but it’s very important to me. My wife and I are in possession of an Audi A4 Bj 1996 and had a “small” accident last year, which caused the insurance of our car to rise enormously. My wife now pays 380 euros quarterly, which is too much for such a car with a value of 800 euros. Is it now possible to change the insurance in which my wife unsubscribes the car ( it is registered on you) and I register it with new insurance on my name? I was already with a new insurance & have described the situation there. This then made me a great offer and immediately gave me an EvB number and meant to unsubscribe the car with the current insurance with the reason of the sale and then register on my name, that would work, but I am not sure if this also works. We don’t want to miss out on the wrong Schri tt, so I’d rather ask again here. Thanks for the help and greetings ahochzwei