Category: KFZ-Versicherung Forum

Hello together, from next Saturday I am the owner of a BMW 323CI (Coupe). Now the following question arises: Who should I register the vehicle and on whom the insurance?! Possibility 1: register the vehicle on me + partial casket with SF 1/2 HUK Classic fare (880EUR/year) Possibility 2: register the vehicle on me + insurance on my father as first car with SF20 fully comprehensive HUK Classic fare (545EUR/year) Possibility 3: register the vehicle on my father + insurance also on mei HUK Classic fare (475EUR/year) Which of the three variants would you recommend?! With variant 1 I would come to SF1 on January 1, 2010, but unfortunately I only have partial cascades. However, I assure the ride on my father (part cascades to total only 50€ difference) and pay almost half less, but unfortunately no SF classes gradation. What do you think of the HUK24 (Classic fare)?! Thanks already for your answers! Greeting Rene

hello people, have recently had a car accident which I am not responsible for. the insurance of which I was hit said a harm to pay. I allowed a damage report to be made at dekra. now the insurance pays with a fictitious bill only replacement value 7,000 EUR minus the residual value 5,000,00 EUR=2048 euro although the reperature costs are according to reports 4000euro. the insurance requires of me the knowledge of a professional reperatur. my question enough a photo proof as proof of reperature??????????

Hello all together I had an accident in Italy last month ( on 24.06.2011 ) My car was no longer ready to drive and the workshop in IT said it would not be finished in 3 days so I called my insurance ( allsecur ) to the organized me my return transport, on 30.06.2011 everything was then regulated and on 1.07.2011 I travelled home on Monday the 04.07.2011 I called again at the insurance whether everything is OK or still what is needed!? Man never knows lol. Nu n told me the lady of the return transport takes about 3 weeks “HALLO”!? Does anyone have experience how long such a transport (collective transporter) takes? She called me the 18.07.2011 as appointment. Do I get again information from my insurance when the car actually arrives? Thanks in advance

Hello, I have a complicated registration problem here. So, I currently live in Denmark and move to Bavaria next Friday. I bought a new car already in Flensburg. Problem registration: I need a registration certificate for a short-term registration mark. Of course, I don’t have it yet, because I can only register in Germany on August 2. Until July 31st I am registered in Denmark. I am not registered anywhere on August 1st, but because of my working hours I can at the I have only one passport here where there is no address inside. Next problem: Since I haven’t found an apartment yet, I will be living alternately with friends for the first few days. However, I can never register there. So I will have to register without a permanent residence. I see that I get a “report address” on paper somewhere at a social institution. Of course, I won’t go before Tuesday. I have a postal address with my parents. However, they live almost 2 hours away from my workplace. So it doesn’t help me. Even if I then register the car validly with them, I would have to re-register it when I have found an apartment. However, I am dependent on the car because of the work. Does anyone have an idea about my complicated registration problem? Thank you already, Jürgen

I know the topic has been mentioned before, I had a hail damage 250€ last year in March nn wild damage 140€ and last month n hail damage1180€.I can’t blame it for hailing here in the Allgäu every year, the insurance has terminated me on 01.01.2012 because of the damage frequency! Suppose I had a damage until then then then I can cancel or count to those their termination because they have terminated first???

What possibilities do I have here, which procedure would still be worthwhile? The rest of the car seems really OK as far as I can judge as layman, also drives itself easily so far. What should be considered or tested before the TÜV still with such old cars (Bj 1996 or 1994?)? Unfortunately I do not have plenty of money available and must get along with what I have, hope someone still knows a advice for me, the damages are actually superficial and affect pr As I said, my first car and I hope someone is so kind to take the time, even if only briefly to go into it, I am a bit perplexed at the moment. In the appendix pictures of front + bonnet, the side, the light fixture as it should be and the slightly bent. I really don’t care about the appearance, it should only come through the TÜV. Mfg, Civic1996

Hello people, after more than 33 years of accident-free travel, it got me ice cold yesterday. I caused an accident. If it had been with my own car, everything would be clear. But unfortunately I was on the road with my girlfriend’s car when it happened. The accident damage to her car is of course 100% carried by me. The accident damage to the opposing car due to their liability insurance. But what interests me is now, how is this with insurance Hochstufun g ? Is my girlfriend now upgraded in the insurance premium although she has not caused the accident at all or can I take this upgrade to my own insurance ? Thanks for your hints and experience tips

Hello Leutz, a friend has been driven up. She’s not to blame. Car still ready to drive. Lt. report has her car a replacement value of 7500,-; the damage is 4800,- The opposing liability write to her about total damage and that she should sell her car for 3500,- to a dealer, plus 2000,- EUR, which send her the insurance to the account. ## What is this? Does any of you have a tip on how to react? Should she transfer the money back and From the insurance the regulation you are entitled to demand? Also a formulation proposal would be great. She is dependent on the car and does not want to sell it but to have it repaired. For helpful tips I thank you in advance. Greeting Peter

This week I telephoned with my insurance to adjust the annual driving performance. Today then came the supplement to the police with the post office and I was surprised that in my police as another regular driver is registered a gentleman that I do not know. Does anyone know what it has on them? Is this possibly a normal procedure to make the insurance cheaper? Will the days call again and ask, but maybe someone else has something “experienced”. “T”?

Hello everybody, I was at a festival on the weekend with my car. On Saturday morning, the Severe Weather Centre issued a storm report with gusts up to 110km/h. When the first gusts and rains got up around 5 p.m., we hid in a tent for half an hour. When it got less I wanted to go to the car and saw that the rear windscreen wiper had been torn down…he hung down very sadly L A friendly couple then told me that a kle I couldn’t find the corpus delicti and the owner. Well, “Pech haben” I thought and moved back to the tent. An hour later we were advised by the security personnel that we should leave the tent area due to the storm warnings. We did that at about 6.30 pm and stayed with a friend. I had to stand in the tent and had to leave the tent. The next morning we started again at the campsite. Some “fun birds” (could not find out who) had now tied up a small tent (solid knot) at the remnant of the rear window wiper and wanted to let it rise like a dragon (my guess). Anyway, this stupid tent probably all night and the whole Morge The car is not worth much because of the age and the high mileage (Opel Corsa C from 2003 with 180.000km), but the condition was always 1A and the car was always well there. The Corsa is partially caso-secured. Can you assess whether I can compensate for this damage by the insurance company? Or is that hopeless? An advertisement against unknown I think is hopeless with some 1,000 people at the festival. I am looking forward to answers! I am still at 180 when I think of the story. Thank you in advance!