Category: KFZ-Versicherung Forum

a friendly hello to the insurance experts. I ask you to answer the following question: if you leave D for a limited period of time – e.g. for a (half) year – and accordingly register your German residence, but do not give up the house/apartment itself – can you leave the registration in the condition in which it is?

Hello, I have a question about motorcycle insurances. I had already registered 2 motorcycles with the HUK24 in the past and have been in liability – if I remember correctly – down to 55%. After a wrong consultation – they told me at the time that I could not count on the use of my parents’ car, while I have been driving regularly since 2001 – I have the SF class of the motorcycle after the purchase of a car in 2007 on the Now I’m thinking of buying a motorcycle again. However, the computer on the site puts me at 125%. Is there a chance to return to my old class? Or can I get back to another provider with the old conditions? I wasn’t upgraded… Thanks and greetings!

Hello together, maybe someone can help me with his experience. I bought a demonstration car from Hyundai 4 weeks ago (EZ 10/10). Now someone drove me into the driver’s door. Gegenerisches Versicherung is the DEVK. Beachter has immediately switched on a lawyer. Damage height (without a minimum value) 1,628 €…now the expert also talked to me and provided me with a workshop, which makes the repair (new door according to expert) for fix 1.000 €. The payment is then Is the procedure so usual. Especially when the money goes to the workshop, when should I then receive the loss of value or the loss of use (could privately organize a first-hand car). Does the DEVK then pay the amount of the report? According to the expert, I do not need an invoice, but only have to prove the repair done via photos. Does everything seem very funny to me. Maybe you have had similar experiences… Thank you very much. from in advance.

Hello dear ones, now I would like to try myself as a questioner and ask for advice. My car was broken up and the side window was destroyed. In the car were objects worth about 300€. I called the police and then reported to the insurance company. Schroffer Ton, quite different from what I wanted to insure the vehicle… My things in the car that are not part of the car are not insured, so stay at the expense (have no legal protection etc.). B is 150€. I get the disc used for 100 and can do it myself. But the insurance does not pay if I arrive with an estimate. They pay, but only if I have it done and call them the workshop, this should then put the bill to the insurance. But for me this is also 150€… My idea: Win-Win-Situation A workshop takes 600€. So the insurance pays 450€ and I 150. My offer to the insurance: I make it So for insurance 100 and for me 0. Is this going to work? Do I have the right to get the money only with a cost estimate and can I then think for myself if I have it done or screw it myself? I am happy about advice

Hello, I have the following question: My car was standing on the premises of a car repair shop because of a pending repair. Now it has suffered a hail damage during this time. Does the workshop have to pay for it now? After all, it was on the premises, almost in their care and with us in the place it would not have happened. Should they not be insured for such a thing? Thank you!

Hello, the uncertainty makes me angry. I had a traffic accident about 6 weeks ago (someone touched my open door of my parked car), in this respect I had an accident report made and a lawyer commissioned to claim the amount in the opposing insurance. My lawyer set them 2 times a time limit for regulation or comment, it unfortunately did not happen now, there was neither a statement nor anything regulated. I even got a hearing / a fine of 25€ from the government bureau, I was to blame. I have to say that my vehicle was parked and the opponent of the accident is a police officer. The called policemen knew each other with the opponent of the accident. Now my lawyer has set a final deadline for the counter-insurance with a “call for a lie. One day after this request my lawyer asked for the insurance and asked for it. This was done in the event of the work being done and it is now to be answered. After three times the deadline, very mysterious. It has now passed another week and still nothing has happened. Question: What is meant by an invitation to surrender and why does the insurance not affect itself? Counter-insurance: HUK ?

Hello Motor Talk Friends, short info to describe my situation, then the questions I emigrated from Bosnia (not EU) to Germany (since April 2016 I am logged in here).Drive a VW Passat 3BG 2004, Diesel, 1.9 TDI (which is registered on my father in Bosnia until 05.08.2016, have a certificate that I can use the car abroad). I asked the registration office how long I can drive a car in Germany that is registered abroad. t I got: Quote: Quotation: “Vehicles registered in another state may be temporarily driven domestically. Temporary is valid up to one year after crossing the border. Prerequisite is that sufficient insurance coverage (especially in Germany) exists.” After that I asked what is “sufficient insurance coverage”, in answer I got: Quote: Quote: In Germany there is a compulsory liability for vehicle liability. This also applies to foreign vehicles. A certificate of liability insurance must be carried with you. So now my questions 1. Which exactly liability insurance for foreign vehicles? How much does the insurance cost? Because the car is registered in Bosnia until 05.08.2016, and I will return it until 05.08.2016… 2. If I buy a car in Germany in the first year and on me registration, do I get the taxes back in the first year? 3. Can I transfer from my father the car insurance (which from 1995-1998 in Germany) to him is transferred to me and continue (is cheaper)? Thank you

Hello together, before 14 Tahgen a woman drove me while parking in my parked vehicle (supermarket parking). She did not consider it necessary to call me out, this took over an attentive customer. After some back and forth, she then gave me address, mobile phone number and insurance, I still took photos with the mobile phone and was good. The next day I called the indicated insurance and…surprise…the vehicle was not even known there. They gave me the telephone number where to go If you had reported the right insurance, there called damage, on the advice of which drove to the workshop, it was thought better to hire an expert. After consultation with the Vers. this also done… Economic total damage, almost 2000 Euro repair. Now I have called today(after 14 days) the insurance to hear how far the thing has progressed and to be heard…The damage causer has still I didn’t report it at all and as long as there was nothing to do:-( Monday I have a lawyer’s appointment, today I filed a complaint. The insurance still said I have to find the witness, otherwise it looks bad for me anyway. Someone knows what I can do…except the search for the witness (made a show today at the supermarket)… I’m really mad…is that, the culprit doesn’t report to the insurance company, I stay on my property…I’m for every experience. Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr. Ela, Mr.

Hello, about 2 months ago I had an accident, the car is now total damage. Short description of the accident: I was left on the highway and suddenly a truck pulled on my track (was significantly slower and was braking, I was at 120Kmh) it was wet and I was fully back in. LAUT the truck driver had to avoid a car (the driver did not notice anything and continued driving, the truck driver also did not know the registration number or the mark), which was too slow on the A I couldn’t see, so I don’t know if there was one. The truck driver told the police that I didn’t have a chance that he went on my trail. (2 witnesses say the same) Also the police said I shouldn’t worry, I was clearly not to blame. As far as bad… Vehicle was a New Beetle 1999 1.9Tdi replacement value according to insurance 3920€ residual value of the car 950€ The car was now sold by the insurance company (didn’t want it Now the insurance company says that they don’t want to pay because the truck has avoided a vehicle. According to the insurance company, the insurance company has to pay the car (the driver who is unknown). Now my question: The insurance company can’t just sell my car, at the residual value and now tell me we don’t pay. I have no money now and my car is already sold and I wasn’t guilty!! That can’t be or? If the residual value is paid, is it? Is it not a kind of “debt confession” of the insurance company? If I had known that I could get nothing or only 950€ I would have kept the car and repaired it, but at first it was not a topic. Maybe someone knows about it. MfG Sascha

hello, so for the first time I had taken out an insurance on my name. because I am 30 years old, I start at 75% (SF 1/2). I wanted to ask when exactly the contribution rate is lower? because in my contract this year it is at 75% and from 1.1.2014 it is at 60% (SF 1). I wonder what if I had signed the contract on the last day in December 2013, would I fall right next day to 60%? and what if I had my travel eug in this year sell and then buy another vehicle (and keep taking another insurance) do I start at 60% or 75% again? EDIT: and another question about the contract, one can tell me exactly what that means: picture in the appendix: