Category: KFZ-Versicherung Forum

Hello, I have a question, I’m not quite sure if this is the right forum, but what’s the name of it so nice try makes you smart. I passed my master exam in the automotive trade at the beginning of the year and now after several applications I get a commitment as a service consultant. Now it’s the case that I was able to gain almost no experience in the service sector: handling accident damage, first contact with insurance and warranty processing (I became aware of it). Since I don’t want to stand there with my new employer without previous knowledge, it would be great if one of you could give me some tips or also left regarding the above mentioned activities to be able to prepare for it a little. It would be particularly important to me how the procedure works if the customer comes to the car dealership with an accident damage! How do I have to proceed exactly, etc. Any help is welcome. Thx in advance!

Hello, unfortunately, I had to get a car because of my job. the car was standing at a friend’s place and was there also Klomplett rep. well, since there is a private workshop I have to drive the car for the HU about 20km further to the next place. to shorten the whole ^^ tag marks there is no longer for cars without HU. a well-known thought you can move the car if it is insured until the next workshop/TÜV. is that true? the car has no HU, is not registered, h at no signs, nothing. the only thing I can do to register with the insurance company (liability) can hardly imagine this without marking through the against. unfortunately I didn’t really find what was in the net in this respect. therefore I would be happy if someone could give me an exact answer. lg felix

Hello, I had a slight accident damage (engine hood + windshield) on my vehicle 2 months ago. I would like to calculate the cost estimate of my factory town (Mercedes) with the insurance of the accident opponent (height approx. 170€). The insurance has had an expert assess the damage (height of the report 1600€). Yesterday I finally received a billing check. The insurance wants to refund only 1380€, because VAT for billing about cost estimate Question: Can the insurance ignore the amount of my estimate and use only the amount of the report from the expert of the insurance for the payment of the damage? Is the deduction of the VAT right? Thank you for your answers.

Hello Together, as already written in another topic, I had an accident, where the accident opponent drove me unbraked on my trailer clutch on my standing car. Now the opposing insurance claims that I could not have injured myself, because it would not have been an accident but a vehicle contact. In the accident my AHK turned out to be totally crooked. The pictures of the car of the accident opponent, where according to insurance claims of the accident-related damage f Therefore my question: How much energy do I need to punch the front panel – as shown in the pictures – under the headlight of the passenger side with my AHK? As can be seen from the side shots of the doors / wings the whole front car stands crooked. The Fiesta has wrapped so strongly around my AHK that the radiator licked and the bonnet and front car were pulled away. The bonnet was replaced. After personalizing the car, the car was replaced. In my opinion, repairing this car would cost about 8-10T Euros. What do the car experts say here around the forum about the alleged expert opinion of the insurance? This was of course never presented. However, 5g MAX acceleration was determined due to the minor damage. YES THE REPARED VEHICLE SHOULD BE & YES GERING DEAD

On January 7, 2009 we (Woman and I) were at the dealer about 15.30 to look at a car, because it was already dark we talked to the dealers that we pay a deposit until January 8, 2009 that we can look at the car during the day as long as it is bright and close a test drive. We paid the deposit, and in the same way that we did not take the car that we got our deposit back he answered with yes because it also says not t on the deposit slip that’s clear. Then we left. The next day we were also there for the agreed time punt My wife and I looked at the car after which we discovered several serious flaws we said in that we did not take the car because it is too unsafe. So he said yes is no problem but the money from the deposit they do not get back. I say what do I get my money from the deposit not back that was agreed yesterday. E r said I don’t care I said this way but we don’t have an oral contract that will be given back the deposit if I don’t buy it! So now my question! And that’s right that he won’t give me the money back?! What can I do to get my money back?! Have nothing signed that I buy the car or the like only have the deposit confirmation Thanks in advance for your help ach maybe that’s still important should Austrian legal system be ! in Germany will surely be different ( also better ) I think

Unfortunately, I have to take care of a liability damage to the family car again after my wife’s old car had to be replaced by an accident at the end of last year. Up to now, the accidents have always been with older cars over 5 years and 100 tkm, where usually no impairment was any longer relevant. Therefore, my question would be in which areas the impairment usually moves. So far, I assumed from 10% of the damage amount, but have already lower The damage affects our new Opel Astra ST from 12/2015 with 6 tkm. Obviously damaged is front door left, rear door left, frame left, fender left, bumper rear left and rim as well as if necessary tires rear left as strip damage, with frame and back door slightly pressed in. U.U. is also something to the HA, but the expert has to look at it first on stage, but I hope not. From the belly I guess 5 t€. The accident has only just happened and the insurance company still wants to question the police file and the causer of the accident. However, there are witnesses for the approach and the causer has driven from a private parking lot to the main road and had a too large turning circle and thus came to the counterroad. The second question concerns the replacement car. The workshop wants to ask us from now on a replacement car, even if the repair is only done in a As we have always claimed the loss of use so far, I lack the assessment whether the insurance company pays the replacement car in the case of a car ready for driving. My stomach says no or only for the duration of the repair, so I would not like to sit on the costs, even if the workshop has verbally assured to settle this. So far I have no experience with the workshop, except that we have the Last but not least, the question is whether I should hire a separate expert, but I haven’t found a good one on site, or I can trust the expert of the workshop, if we will probably assign the damage anyway for repair or exchange the car and take a new one if necessary.

So, after a long time without an accident, it has now caught my wife’s car. When the car was parked, another car was put on our Astra, so that the bumper was scratched and slightly pushed in. Police was on the spot, took the accident and warned the victim at a charge. Unfortunately, as expected, the victim is little insightful and wanted to settle this under the hand, I found his insurance and there the damage However, I am now unsure whether an expert report is appropriate, because due to the damage reduction obligation an expert is to be taken over to my knowledge only from 800 €. Now the nice lady at the damage hotline wanted to talk me that with the A-insurance expert report will only be taken from 2000 € and the 800 € would allegedly come from a wrong report of the ADAC. After initial research, I found out that a repainting of the bumper incl. mounting is at 500 € plus VAT at the FOH. If the bumper needs to be replaced, you will quickly get over 1000 €. Assuming that the impact absorbers below have remained intact. Of course, the KVA costs as well as the cost of the shock absorbers are a problem with a KVA. For me as a layman, however, it is not clear whether the damage is above the threshold and whether the nice lady is right. Is there a clear regulation on this, which results in the €800?

Hello together, since I do not know at all how to behave, I describe here our problem … On May 13th (Friday 13th :/) my wife was hit (by the car standing at the traffic light) and pushed to the standing in front of her. Fortunately nothing happened to her except a small sling trauma, the police happened to be on site, looked at everything and the question of guilt was solved immediately. We had the car dragged to our car workshop u 3 days later we received the report from the lawyer … economic total damage, a sum of damages was fixed and submitted to the opposing insurance company for compensation … was paid on the last day of the period but was reduced by about 3% (approx. 250 euros), nobody knows why also the lawyer did not go closer on request of us … After about 10 days we then a) had the (b) a similar car was found in a car dealership about 150km away. Now this lawyer was required to compensate for the loss of use, i.e. in addition to the 10 days with a corresponding lump sum (according to a specified table) plus the expenses for the journey to the car dealership, registration costs etc. The deadline was June 25th about 1000 euros. You suspect it … so far no money has been received, lawyer was comforted with recall (which never occurred) also the current com munication with the lawyer runs very sluggish and passive -> we have to ask again and again and then was with the lawyer in between times, sometimes the colleague sick … In short we feel now quite alone

Maybe you can answer my question? It didn’t even work out for my insurance company (well, it’s “optical” 130 years old ). The following: I lend my vehicle to an acquaintance. My vehicle is fully insured and registered as a company vehicle or a fleet vehicle, but is mainly (99.9%) moved by me. According to Police, everyone (always as old) is allowed to drive the car if I give him permission. If I give someone permission to drive my car now to take and he causes or provokes an accident, but he also has his own vehicle etc., must then pay my insurance or his? This would increase my contributions for the insurance, wouldn’t it? Even if I didn’t drive, right? And further: if I NOT give him permission to move my car (keys lie somewhere and he/she takes them without asking) and builds an accident, who is then “responsible” or which insurance must pay? Dan As I said, my insurance broker could not explain or answer me… (Poverty certificate as I find) Greetings DDD

N’Evening together. The following background: Have an insurance contract running for my quad (currently SF 1 with 60%), which is however burdened with liability damage since Monday. As a result, the contract will be classified in class M (170%) from next year, which I want to avoid somehow. Have thought about a few options, of which I do not know whether they are possible. But maybe one of you knows better and can give me a hint… H ie the possibilities: 1. I cancel the contract now (after damage) and start a new contract with the same vehicle at 0 (125%), which will then fall to SF 1/2 (75%) next year (is this possible at all?). 2. If possibility 1 does not work, is the same with vehicle change? 3. Possibility 1 with termination of the contract at the turn of the year (and then beginning at 0). There is allegedly a central file with the M classifications. g is terminated in time for the reclassification? And do I get a new contract with SF 0 or do I have to pass through SF M under all circumstances? I hope I can give myself a little tip. Thank you very much.