Category: KFZ-Versicherung Forum

Hello together! I would like some advice from you. I had a slight contact with another motorist. The police investigated on site partial debt 50/50. Did run stupidly, but happened. The other person involved had their damage settled through my insurance. So far, so good. My vehicle is a 5 year old VW with an existing used car guarantee. At the request of the opposing insurance I have to create an estimate read This is because I want to fictitiously calculate the damage. I am therefore the VW contracting partner and have had a cost estimate drawn up there. For me only one VW contracting partner is eligible for the estimate (existing used car warranty and warranty for the vehicle, since only 5 years old). In the case of a repair by a foreign operation or a “backyard workshop” is generally rejected any culant. Here Volkswagen AG sets a repair by a vehicle. Now I receive the letter of the opposing insurance with confirmation of the fictitious invoice, however with a deduction of say and write 445,42 Euro net ! Here the reasons: – The painting and the associated de- and assembly of the attachment parts is not absolutely necessary for lacquered chemical reasons. According to manufacturer guidelines, the painting specialist can only decide bindingly, whether a coating is a co-painting Deduction: 40 units of time = 79.20 Euro – The quoted spare parts prices contain an extra charge of on average 10% on the manufacturer’s recommended retail price. Such surcharges do not belong to the required manufacturing effort, as not every workshop calculates these surcharges. Only against corresponding proofs / repair invoices can the additional costs caused by the surcharge be reimbursed. Deduction: -155.81 E uro – shipment costs can only be incurred if the repair company has to transfer the vehicle to an external workshop (e.g. paint shop) and additional costs are charged for this. Since it is not proven that these costs actually arise, shipment costs are deducted in the fictitious invoice. Deduction: 66.00 Euro – wages: The following reference companies are qualified specialist companies for carrosserie and paint shop. The quality standard of these companies is regularly checked by an association or certification body. The damage can be completely and professionally corrected there, the quality of the repair is equivalent to the brand-linked specialist workshops. Original spare parts are manufactured in the region of the vehicle owner. They meet the highest requirements for equipment and qualification and ensure a high-quality repair according to the manufacturer’s guidelines. In addition, these workshops offer a generally free pick and bring service. Wage factors / hours: Mechanics 105,00 Euro Electrics 105,00 Euro Lacquer incl. lacquer material 152,25 Euro Reference plant used: – Here is the name of the company – The reference plants listed are within the meaning of the BGH judgement of the 2nd court. 3.02.2010 – VI ZR 91/09 for qualified master plants, in which a professional and according to manufacturer guidelines high quality repair is guaranteed. It is ensured that the quality standards of the plants is checked regularly by an association or a certification body. Only original spare parts are used and the plants grant on all carried out carrosserie and painting work a at least 3 year warranty. Due to the modern The equipment and extensive experience of the selected repair companies is ensured that the necessary work on the vehicle in question can be carried out equivalent to a brand-linked repair shop. This can also be derived from the fact that the brand workshops, which do not have their own car body department and/or paint shop, regularly use the named plants in the subcontract. If I order a free workshop or a paintr to paint my vehicle, I am the client. If the VW contracting partner of the same workshop issues the order for a paintwork, then the contract workshop is the client. However, the contract workshop is my contact person or guarantor. Above this contract workshop stands the Volkswagen AG, which only takes care of the requirements of the customer. If I give an order to a free, untied workshop, then it was with kulanz or the like. If this free workshop then suddenly broke, then it was that…. I am at the end of the stupid. Is that actually right, that an opposing insurance requires me to drive to which workshop I have to go? Furthermore, it is right that, due to the reference to a free workshop almost 500 euros net from the K Is it the HUK COBURG, which I would like to mention!

Good day! I had an accident about 3 weeks ago (someone drove in at the end of the traffic jam). After the police took the accident and both accident parties (me and the causer) had described the accident identically (clear situation so), I drove to the accident expert (GTÜ) the next day after consultation with the opposing insurance (want to make sure that they pay the expert report) and had an expert report done. For a long time, nothing happened, and only on request at the same insurance company my contact person informed me that the accident opponent “could not imagine that all the listed damages have happened due to the accident and that we therefore want to have a comparison opinion”. To the background: On the pictures it is clear that the rear apron has burst. In the report the carrier of the bumper is also listed, and this is dented and must also be replaced Other body parts (case compartment flap etc) are not listed. How should I respond to this demand now?? Is it clear that an expert of the opposing insurance company will calculate the whole of me to 2mark50, although a blind man with a crucible sees that the bumper must be changed in any case…

Hello. Hope I’m not quite wrong here in the forum with my question… I have a Ford F350 built in 1988, which unfortunately starts rusting on the disc frame. Now I wanted to cut out the windshield when it gets warmer again, to become the rust master. However, the disc can very easily break – is like a lottery game. Now the question: I have insured the F350 via OCC with among others partial cascade. In the “insurance description” is also written inside that G What is it like when I cut out the disc? Does the insurance then pay a new disc or what can I generally understand by breaking glass? In the case of rockfalls or something like that, it is clear that the insurance pays, but here I lay my own hand on… I have already informed myself at a company – a new disc would cost just under €500. But could also get a used one from a butcher for €100. If you have something like this about the verse of course, would I rather install a new disk… Does anyone know about the subject of you? I don’t want anything to do with insurance fraud or anything like that.

Hello you out there, and although my car was admitted to me by the end of the year but insured by my mother-in-law, now I made an insurance comparison at the AutoBild on the website at the turn of the year and there was Cosmos directly in the first place with 96€ monthly, my pre-veryer requested 133€ so I directly signed the contract online on my name. All nice and good, about 10 days ago came a letter from the Cosmos that please a two-way a copy of my driver’s license (have received my driver’s license on 26.05.2010) so I did this and sent it to you now comes a letter with the new monthly fee of 192€(!!!) there I ask myself how can this be? I have clearly stated in the insurance comparison on which day I made my driver’s license. I really don’t know what to do now, a monthly amount of 192€ would mean financial ruin for me as an apprentice and I don’t know what to do now, a monthly amount of 192€ would mean financial ruin for me as an apprentice. can it be that the SF-Class was wrong? And if so, they would have had to see that I am a newcomer, right? Help me with what can I do? Can I even say to them that they should rewrite the contract to my mother-in-law? Greetings Tobi

Hi, everybody! I’m just about to order a valuation report for my car. The vehicle is 20 years old, the car would still have been original, probably a value of 4000,- Euro. But now it’s like that, that a lot of money/work was invested in readout increase and optics. An addressed expert predicted a current value of more than 40,000,- Euro. Let’s assume that I have an official report now for about 250,- Euro. I’ll put this in place. before the insurance and would then probably pay higher contributions. But, how would this actually determine the replacement value? The car was never available to buy. Does the verse. support itself then in case of damage only on the report? I want to protect myself by the report in case of damage against losses, because the car is no longer original and should therefore also be well insured. Does someone know about this?

Hello, I recently slipped a bit while parking and got to the car with a young lady. She was standing nearby and we were looking directly for a possible damage, I didn’t have one and she didn’t. I apologized for it and the thing was done for me. However, since this happened in front of my house I had offered to report to her beforehand if she needed anything. Well, four days after this incident I had a note in the letter box I’m really wondering how to notice a damage that wasn’t obvious after another four days. A witness had both me and her. Can someone give me a tip on how to keep going here? Greetings, Alex

Hi everybody, I’m a little angry right now. My friend drove my car he’s also covered over me well and while driving backwards at MC Drive he’s one of the ones behind him was driven in. Now there’s a scratch a little deeper, I wasn’t myself being told that only well now I have some questions could result from such a small bump a deep scratch? At my AUto is nothing.The guy said he made a estimate because it’s a special paint and the ga nze bumper has to be repainted. Can this be all or is there anything lazy, Hab also talked with the insurance and those who said if the damage is less than € 1010 recommend that I pay myself that otherwise I will be upgraded from 55% to 85%. I am currently paying 39 € how many would I pay at 85%? Do you have any idea? I am so angry. And I don’t have the 1000 € just over. LG

Hello together, I just looked at a used one that I would like to buy. But it is one of the typical “sale only to dealers or export” stories. The reason of the seller is clear: avoid warranty / warranty. He said that it is formally enough that he writes “dealer sale” or similar on it and that there can be no problems for us (apart from warranty / warranty). And that’s my question: I can dispense with warranty / warranty if necessary. Kan But for me there is a problem purely legally or fiscally if I enter into such a contract? Thank you in advance! Martin

Huhu, I have not registered a car for almost 7 years now and in order to prevent that I will then be upgraded to 125% with more than 7 years I would like to register a car now. The question that I ask is now how long do I have to register a car so that the 7 year deadline starts again from the beginning? I have not found anything about this so far =/ so it is enough theoretically if I register a car one day and then unsubscribe again? or do I have to register the 3 months or even 1 year or so la Many people know about it and could give me some information about it would be nice.

Hello, I hope someone can help me here. I was driven by someone at the back and I had an expert report done. Repair costs 2144, 51 VAT 407, 46 Total cost 2551, 97 Replacement 1875 Remaining value 400 The damage is actually relatively small and could be repaired by a friend because mainly on the bumper which would be replaced. How do I have to have after the repair procedure. A review done? Failing to read somewhere that you would get the already pulled off then again? And how is it if I got someone on it again after the repair because the car is now in this list and you have been told then nothing replaced? Thanks for your help in advance. LG Sandra