Category: KFZ-Versicherung Forum

Good day, 5 days ago my SF class was graded back to 1/2, on the grounds that the pre-insurance (AD) did not transmit the SF class. BY FAST OF A WHOLE YEAR. I only drove this transition car for 2 months, before that I was also with the BD. It turned out that this had already not transmitted anything to the AD. From my father I had the SF class 10, but I myself only had 6 years behind me apparently. Jetz comes. I wanted this now on m I have transferred (22.05.2013). The AD then told me quite big no problem we do… I did not know that the 10 then becomes an SF6. No one told me, although I had indicated as driving license acquisition in 2007. But they also definitely did NOT do it, although they had received all the documents for the transfer. So I see this as a failure of the pre-insurance, since they did not act immediately what would have said I would not have done it either. It’s definitely too late for me and I don’t realize that I’m paying back or accepting SF1/2. Conclusion after countless annoying phone calls is: the old contract from my father was NEVER touched! Instead, they grade me up as if I had just started driving last year! Is it even justified to come along after a year and change the SF class? I knew nothing about all this and thought it was all right. A well-known lawyer said as soon as the contract is concluded and paid, they are not allowed to do so anymore. and I have already paid one for the summer car and for the winter car already complete. If I go to the supermarket, then I pay e.g. also 1€ for the liter of milk and the owner can then not demand after 5 days 4€ only because he thinks it is right or? MfG

Hello everyone, maybe someone can help me??? I once had a completely tuned Golf 4, where everything was changed. Now he stood in my underground garage in the box in 2012 and was locked up. In winter I drive BMW. The Golf was locked in the box for Spaetherbst / winter 2012. In May 2013 I wanted to get him out of the box to drive him to TUEV and to lock the BMW in the box. Golf was stolen, box was broken up. I immediately alerted the police. it theft on 16.05.2013. Procedure was stopped by the police in September, vehicle was not found. I had taken a lawyer. I had legal protection until yum 01.06.2013. The legal protection refuses the protection, because outside of the service! Question: If the legal protection does not occur, damage day of 16.05.2013. Impairment does not pay, since my supervisor of the insurance at that time demanded a value report (value over 50,000Euro) but not the engine In the report was the new engine with approx. 1000 KM mileage / in the insurance and in the vehicle license still 55kw. Thus probably the type approval with the insurance expires. I wanted to drive the car in May2013 to TUEV to transfer the engine, which the tuning workshop did not do. Is the fault only of me? Neither the legal protection helps, nor the insurance partly wants to help me? Is the right thing so??? Thank you.

Hi, I have a fairly high liability damage to our Zafira by an acquaintance. I immediately had a report drawn up and the damage, amounts to 1300 eur incl fairy tale tax, and just 1100 ca with disbursement without repair. So far so good, come back from vacation and lie a check in the mailbox of the insurance of 880 eur with unbureaucratic fast closure. Hmmm. Called at the insurance,and asked how those come on such a sum and who pays the expert?. Me int the insurance that the evaluator will pay immediately, and the balance (difference) of the sum I get paid after examination on each by check. Now there is the Harken, in writing stands with a fast unbureaucratic conclusion sum 880eur, and beyond the final damage to submit ne repeat invoice? . Understand that so, take 880 eur by check and everything is clarified, evaluator is paid by the insurance and the insurance is thus finished with Zah len.? No desire to redeem the check, and that the afterwards say, Ok check cashed in and thus the damage is cleared, and they do not need the difference to pay. What do you mean, when I am just out of vacation again, and still have effect from the celebration. Laugh I hope you can bring in some clarity. Greetings

Hello guys, I have a problem with which you might be able to help me, I suspect somewhere a misunderstanding: I had an accident 6 years ago with a car (Kadett Flieheck 4door 90PS) which was insured with my “home insurance”, the insurance family had SF 17 and ran to 35%. Shortly after that I changed the vehicle, on a box van (Kadett Combo 54PS) which I could not insure with my insurance because they did not insure trucks. This fin g then again with SF1 and ran on 40%, for 1 year even on 35, why always? Anyway, I have sold it again now and am with a car (Passat Variant 90PS) again with my actual insurance, with the other insurance was the stand SF6 and 40%, but my current contract stands on SF6 with 55%. My father who actually regulates this with the insurances, since it also runs on mother’s name, let itself be fed with the reason that it is a UN case. It can’t be that I paid 150€ less for a “truck” which is usually well above a Passat combi … In addition, we get a bunch of Rabbatte with our current insurance, since almost everything is insured with them and my parents are in the public service, Vattern even as an official. Before I can get a job, I’m not sure if I can get a job. I wanted to deal with the insurance again I wanted to ask here if all this has its correctness, somewhere there must have occurred an error. If I had known that I would have stayed with the other insurance or had bought me a box van again. Something like that can really annoy you, especially because as a student you are dependent on every euro. Greeting gap

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Tach, just had an accident where someone from the side street took the lead. Scattered left behind me police bulli, in about 150m zipper procedure. Briefly accelerated, a 5 BMW pulls right out of the side street and slows down. I didn’t think anything about it, suddenly he prefers a good 2-3m further ahead, brakes again appruptly and remains right in front of me. Had to get into the iron and noticed that I was only slipping and the BMW is getting closer and closer. Again from d he brake down, evaded and with the right front wheel wheel stroked the bumper of the BMW. If I hadn’t evaded, I would have hit him fully. Witnesses: Police in the Bulli Result: Advance failure with accident, accident report I have in my hand damage: Shram and bump on the wheel wheel, bumper stands off from the fender…. fender must be replaced and painted The driver gives to brake and accelerator to have kicked at the same time. He is not the holder and wants the damage What do you suggest? 1. In the Audi Workshop, have accident damage eliminated and send invoice to the driver? 2. Report to my insurance company, which reports the damage to the opposing insurance, whereby the liability of the holder pays and the driver can buy back the damage from the insurance company?!? 3. Get expert reports and send them to the opposing insurance company or the driver? 4. ….. ? Can I charge a replacement car additionally? I have to drive 60km every day…

Hello, my uncle had an accident about 2 weeks ago. He was on his way home, drove about 50-60km/h in a closed village, once he had a Lithuanian truck in the rear. The driver of the truck fell asleep and drove on my uncle apparently unbraked… Of course the Polish police were informed, logs were written and later it turned out that the driver had an additional 2 promille alcohol in his blood. Now I have the data of the V the Lithuanian driver (branch office in Hamburg) and got in touch with them. The insurance I want to go to a car dealership of my trust I have a cost analysis done there without an expert. The damage does not look dramatic from a distance but it seems to me as if the whole rear was pulled down. Also the gap between fenders back and doors back do not match. I have the right to an expert or is Is that different in the accident with a foreign citizen?! How should I proceed?! Could an appointment in the workshop with an expert make tomorrow…!? Greetings

Evening together. First of all, I want to apologize if the mail landed in the wrong forum section. I had an accident with minor damage on my car on Wednesday. The whole thing happened so I parked at the roadside and waited in the car because it rained. I had described a text message as it was suddenly rumbling. A woman wanted to pack into the far too small gap in front of me (about 2.5 meters) and drove with a little swing backwards against my front spoiler. At her car is nothing. At my place, however, the GRP apron was torn in a few places. Had directly called the police and had everything taken in. So far so good. Now I was at my insurance company (HUK Coeburg) to know how to go on. They gave me a number of other hotlines which forwarded me to the opposing insurance company (Generali Versicherung). I then described everything and now I should get an estimate for the costs. Can I use it to the workshop of my confidant ns go or does that have to be a damage assessor? MfG Thomas

Hey friends of the night, since I haven’t found a suitable post about my problem in the Sufu I thought I would describe my problem and hope for help. So I’m a beginner 18years old, for 8 months the driver’s license and drive daily 50KM. Currently we only own one car and this is always complicated because my father is also working. The insurance (Allianz) offers me the following. I can insure myself with SF 1/2 75% since my father just there versi This is the problem: he works at Benz and can make a factory member leasing where I can make an A 180 list price 36,990Euro for 292,85Euro for 12months at 8000km, insurance and service Incl.. Now the question is more worth a leasing with a novice or a car purchase up to 8000Euro, whereby the insurance comprehensive etc also costs 110-200euro mtl with the vehicles I want.

Hello, I had my first accident yesterday. I was on a driveway. In front of me a woman drove. From a side street an elderly gentleman came in without notice that he must grant an advance. His car patrols the woman’s car which understandably fully braked. I am also directly full on the brake but it was already too late. Due to wet road my car comes into the slide and drives the woman in full back. According to the police the main cause and guilty the older gentleman. The woman is damaged, and I’m partly sorry because I didn’t have enough safety distance to the woman. My car clearly took the most damage. The whole front part is broken. I contacted my insurance immediately afterwards, which explained to me that despite partial debt I would have to bear the cost for my repair alone, because my car did not come into contact with the main culprit. So his insurance would not have anything with it anymore. u do. Now my question is whether this is really true? in my eyes this doesn’t really make much sense, because the gentleman is clearly responsible for the ONE accident. The police have deliberately decided to consider it as just one accident and not to divide it into two (the gentleman and the woman + my driving accident). How does it come then that the insurance there draws a limit? The colleague from the insurance company I thought I could deal with the gentleman in court, but what again meh What are my chances? Do I really not have the right to leave part of the repair costs to the insurance company? I myself only have a liability insurance. Therefore, repairing my insurance does not leave any possibility. Many thanks in advance!