Category: KFZ-Versicherung Forum

Hello together, have a question about a glass damage now occurred and the insurance handling. Short history: On 24.12. of the previous year my loyal companion – Ford Mondeo Bj.95 – blessed the temporal, I stopped at night on the BAB with engine damage and had to be towed off. A month before I had to replace the windshield with the following crack after rockfall in the upper margin. Now I have – because I need a second car for the daily commuting – an old golf added, which was admitted on 30.12. with cover card of my previous insurance. I did not receive the forms for the application of the insurance incl. partial cascade until yesterday, therefore I had requested this from my insurance broker. Unfortunately I discovered yesterday also two cracks in the front window of the new old car, these were caused by a stonefall in the lower area of the Disc below the wiper, impact hole is clearly visible. Now my question: Since the cracks are already spreading (both about 10 cm long) I would like to have the disk replaced immediately, but must wait for the policy. Can I assume that the damage control will run smoothly or I have to adjust myself to problems, because 1. the insurance will possibly question the time of entry and possibly assume that the damage will occur. before the policy has occurred 2. I had to have the disk replaced recently on the predecessor I would like to emphasize very clearly that the damage really only occurred these days, I would have noticed a pre-damage, because one of the two cracks is directly in the area of the fine dust badge, which I had to change. Furthermore, I would certainly not have taken over the vehicle with damage, but insisted on repairing, because with the repair the TK SB of 150 EU I would also like to continue the same conditions as for the previous vehicle, i.e. again TK with SB150 (SB 0 is not possible in this tariff). If my broker had sent me the forms for the policy after the registration (30.12.) I would have received the policy certainly already, so I do not want to allow myself to get the delay. In the cold season stonefalls with folly occur more often, so that the insurance has no doubt at all or Do I have to adjust to problems? Thank you in advance for your opinions

Hello, my first post, and this on an unpleasant topic. I bought an older C-Class from a dealer a week ago. The dealer had AU/HU carried out before the purchase I also completed a used car insurance with the purchase (the dealer also advised me to do so). Today I looked through the car once in the workshop of my trust. In addition to various rust spots (was probably too blue-eyed when buying) and other small things the car has a My workshop thinks that the examiner should have faulted at least the carrying joint. I told the dealer of the defects. He thinks that the joint is a design matter, and old cars would lose oil. But then he wanted to contact the guarantee insurance, I should call him back this evening. My questions are: : 1) Can the guarantee insurance deny a complete acceptance of the costs? Do I have to pay at least one part myself (the car has more than 100,000km down)? 2) If the guarantee should be rejected, the dealer is in the warranty obligation. Right? 3) Can I oblige the dealer to take the car back if necessary? Thank you for your answers! Greetings, Philipp

Hello, the accident situation has been clarified. Opponent debt, I get money but how much please ? According to independent expert report replacement value of the kfz 5250€. Repair without VAT 3994€ (with VAT 4753€) Insurance has found a buyer ( Without asking you ! ) for 2760€. I want to take the money but the insurance, will pay me only 2490€. ( replacement value 5250€ – buyer bid 2760€ = 2490€ ) I have no way to get the money for the repair 3994€ to get without repair? I’m not satisfied with that! MFG Adrian

Hello together, I hope jmd can help me! had a bike accident on Sunday by having overtaken another bike driver on the bike path! while overtaking we somehow got together and she drove the mirror of a car parked on the left side of us and I left 2 scratchers and a delle with the bike! because the driver of the parked car was not findable we called the police! since I overtaken was also responsible for the whole incident and nd my huge problem is that I am not liable (was just looking out at insurance) knows jmd some possibility how to do this!? can you take out an insurance back-acting and then pay a higher fee or similar? with the owner of his “holy” car is not to be talked about, he brings the naturally into the car house and is best to repair without looking at the cost (interest him also not!) about every tip I am supe Thank you very much

A child (10 years old) rides a bicycle on the footpath and arrives at a car when driving and damages this Which insurance takes care of the damage and which due diligence duties must be carried out by the parents in order to regulate the damage by an insurance company?

Moin, I have at this point a purely hypothetical question for you. It is not a real scenario but a freely conceived case constellation. Similarities with living insurers, damaged vehicles and their frustrated owners are purely accidental A TK damage occurs to a car, but the vehicle is damaged within the usual regulations. As far as so good. Vehicle is insured with 150 SB, contract without factory seat binding. g, 3 letters, but not more precisely named, has the damage examined and tells the VS that he should create the vehicle to the dealer A, purely randomly damage partner of the insurance to Rep…. Now the owner of the damaged car informs the insurer that he will by no means bring his vehicle to dealer A because the owner of the FZG has already made very bad experiences with this workshop in the past. In the same place there are dealer B, same brand, which is In contrast to dealer A, the dealer B now has no connected paint shop and therefore would not be eligible as a repair company and the repair there would not be paid because disproportionately high costs would arise due to the transfer to the paint shop… How would you behave towards the insurance company? Gruss Marcus

Good day…..I had had a driving accident 4 weeks ago… here the threadhttp://www.motor-talk.de/forum/accident-mich-hats-erwischt-t1832713.html is my damage according to the report gross: 3387.20€ net 2846.39€ so far so good… now the insurance has paid,but have a few things shortened from the report paint material 91.17€ spare parts supplement 115.33€ shipment costs 92.40 reduction on local accounting rates Regional trade union sites 245.6€ so missing 544,50€ then it is still written that the insurance has commissioned a dekra, and now have me an example workshop genant where I can leave my car rep….. so you don’t pay me the bmw calculation rate,but the set of the workshop what they have recommended to me… can the insurance simply shorten? what can I do now many thank you for the answers in advance soner

Hello, four weeks ago my girlfriend’s car was broken up. Nothing was stolen, but a not insignificant damage was done. So let’s go to the workshop, make an estimate for the repair, and the insurance submitted, as partial cascade damage. The insurance requested whether the car was to be visited, no problem from our side. But now the car is already four weeks (!) not lockable on the road. So pressure made at the insurance and the We wanted to have the door lock and the door handle repaired, but we did not have the painting work carried out. So there is a certain reduction in the value of the paint damage. Now the insurance company reports that it cannot be billed after the cost estimate. We are supposed to have the damage repaired and to file the invoice. I have received the answer that the cost estimate should be submitted. Never heard before that an insurance company can refuse to be billed after an estimate, of course after deduction of the fairy tale tax and what else do I know.

Hello I had an accident with the truck 2 weeks ago I drove out of a junction with the truck no stop sign only drive sign at the intersection at the right left looked everything free started about in the middle of the intersection I saw a car coming from the left still gave gas but the back into the loading rampZylinder from the truck is sunk. Accident happened about on the white lines in the middle of the road. Had today at the police hearing and I will be indebted I have not given any details what is coming to me ?? will be indicated with advance misconception with body injury. Should I pay the penalty and collect points or do I have chances there, how should I proceed ?? Gruss Ps :the rear of the truck was about on the middle white line and with the front I was already on the other side of the intersection after the impact then hurled me against the tree on the enoverly road ite. Brake tracks from the car pull over the middle line to the left against my rear

hello first of all, I have a golf 4 variable 1,9 tdi with 74 kw ez. aug.2004 with 51120 km… now I have a damage on the car and that is the whole right side…. to repair the bumper, to renew the door, to repair the rear door, to repair the side part and to repair the rear bumper… now I was with the car at vw and asked for a cost estimate, there they told me the damage was 4900,-euro and I should have an expert come….. .he then also came from the insurance and made an opinion, where then the damage to 2877,85,- is estimated……that’s 2000,- euro difference……that’s why I went to the dekra with us, they looked at the car and arrived at a amount of 5113,- euro…. what can I do now???? for 2877,85,- get the car nowhere repaired….except in the backyard manyths. can I somehow deal with it,if how???? help me…..be grateful about every advice mfg nicole