Category: KFZ-Versicherung Forum

Hello, I bought a used Opel Vectra GTS at an Opel car dealership almost exactly 2 months ago. Yesterday I was at the DEKRA and had the SafetyCheck carried out once. It was noticed that the steering is leaking. Now my question is. Do I have to pay for this defective steering from my own bag or is the dealership obliged to replace it? Bzw. I have a used car guarantee, does it pay everything completely? Or do I have to pay a part of the same Thank you very much in advance!

Hello, I am currently working abroad. My girlfriend received a registered letter from my car insurance today. They canceled me on 06.10.2011. I have been insured there for years. I paid my contributions in Jan. always in advance for the whole year. In Dec. 2009 I drove someone slightly on the back. At both cars about 3000 Euro damage. So HP+VK. At the end of last year I used a new front letter. This car was sold in Jan 2011 In March I had a wild damage. About 1800 euros damage. Now the cancellation. Without prior notice ect. How are the chances with another insurance to get a new HP+VK? And do I keep my damage-free discount with the HP and VK? I feel like a serious criminal:-( Greeting Frank

Good evening, before people write to me, fault themselves, idiot! I know! Yes, I made a mistake, I totally see and if it doesn’t make me pay for it myself. Already before. I got enough trouble, etc. … believe it. Anyway, I wanted to ask anyway. The following situation: A buddy offered me to try out his 125s (not my first time driving a 125s). I said cool thanks … go off normally. . Everything okey, as I said before had already driven there bitsl experience (I never drive again!). There was then a curve …. I was not too fast, but there were stones … well … I just slipped. I did not happen anything, very slow driven. But the right side of the machine (Megelli 125er) looks bad bits. So 2 fairing scratched, turn signals off and brake bent. And also probably the front brake or brake disc is a bit bent. It just grinds while driving. Yes …I’ve built shit. Let’s not talk about it, of course my fault! My buddy was pissed off at the beginning of course, but that’s okay again. I said I’m paying everything. Of course! The machine is new, so he has a guarantee on it. But he didn’t mean that if you slipped (even if he said he would have slipped). My buddy said that would cost about 600€ (yes, that’s fine, I pay, myself). But there is insurance technical k another possibility? So I have a liability insurance, but just no A1 driver’s license. -.- I ask you to help me objectively. What are there possibilities? Can another buddy with A1 and accident insurance say he has driven? Would they pay? I thank you for every suggestion! And again. I will never try something like that again! It’s a lesson to me!!!

Hello, I have the following problem. I found out in December that my motorcycle has not been insured for the last 2 years. I’m just glad I didn’t have time to drive except for a ride to the Tüv. So I was lucky again! I quit my insurance at the end of the season (October) 2 years ago and forgot to take care of a new insurance next spring (March). The motorcycle was registered the last 2 years and I also paid car taxes. is now the best way to be insured again from the coming season? Can I expect a penalty later? What would you do in my place? Thank you and Greetings Steffen

Hello, I have a problem with my car insurance: My daughter had a small car that was registered on me and she was co-insured. In February she unfortunately had an accident under the influence of alcohol and a street lighting mast. Now the insurance came to me and accuses me of gross negligence, although I was not there. The lantern costs soft 4200€. But the insurance wants to have from me 250€, because they do not pay everything, because of the alcohol. h Objection from me because of gross negligence, came today the letter from the insurance company, showing that you had sent the letter by mistake to me and now want to have her request from my daughter. Question: Can the insurance company do this at all?? daughter has court hearing next Wednesday and there is also a fine on her. (rightly so, if man is drunk driving). She starts an apprenticeship in August and lives for rent. Thank you for your answers Greetings Frank

Hello. The following event happened: I had an appointment at my workshop. On the day of the delivery and after work the workshop the car was standing on the yard of the workshop. Then came a storm and the next day I was called by the workshop. The actual thing was not done yet but for that there are now heaps of duels on my car. Now I should report the matter of my insurance. I did this and was a little surprised that this was so without having to The insurance only meant “force majeure”. Well, okay… Now I want to know if I should handle anything else with the workshop or just have to pick up the car and the workshop is fine out? In particular, the workshop has a duty of care! And with regard to the hail damage covered by the insurance: what about the massive loss of value that I have due to the damage? The damage can be determined in case of a possible sale. Somehow it can’t be that I should go to the workshop tomorrow and pick up my now damaged car.

Hello, a somewhat special question about the difference-exclusive plus and difference-casco of the alliance.Completed plus quote: Purchase price compensation for total damage or total theft up to 12 months after registration on UN, max. 1.5 times the replacement value on the damage day Difference-casco quote: In the case of financed vehicles, the difference between the net residual loan sum and the replacement value (WBW) on the day of the damage, limited to 20 % of the WBW is replaced. In the meantime, many insurers ( 12 – 24 months term ), but what is the exact difference to the differential cash? Is it only the maturity ? In the case of the total plus, the protection ends after 12 months after purchase, in the case of the differential cash, the protection would be as long as you have the insurance with the alliance ? Greetings Jan

Hello, I had a self-inflicted accident at the end of last year, which was regulated by my comprehensive insurance. Before that I drove almost 25 years accident-free with a corresponding damage-free discount. Then unfortunately I measured again in May a defective windshield, which was regulated by the TK. Now I get today post, which my insurance has terminated the contract on 23.07.. is of course annoying, but will certainly be right. he is asking whether I will now have problems finding a new insurance policy and whether if, I have to expect increased premiums because I am a quasi “problem insured”?

Hello, I have before my car that I get in 2 weeks to insure for the first time on myself. I want to take over my father’s insurance because he will no longer need any more because he has life-long service car law. My previous insurances always ran over my mother. at the moment my father assures my mother’s car (please don’t ask why, everything is very complicated…). Therefore I will probably get an insurance before November, if the big verse But now it’s the case that my mother’s car was always insured in such a way that it can only be driven by people aged 25 and over. So, since I am 28 I can only get three years insurance. So now, this is a complicated consideration: Would it be possible for my mother to take over my father’s insurance so that you can take over the insurance specifically for my mother’s insurance? Or would it be possible for my mother to take over my mother’s insurance. ausch” not recognized by the insurance companies? So again in short form: 1. I take my mother’s insurance (which is currently free) 2. My mother takes over my father’s (which at the moment her car already insurances, only that she would then become a policyholder) 3. My father no longer has any insurance and never needs a car to run over the company. What do you think?

Hello everybody, my wife happened a stupid accident today. She didn’t pay attention to it in a 30’s zone to the left… Actually the question of guilt should be clarified, but she didn’t drive into the cars coming from the right, but the car hit her in the back right (from half rear tires). Furthermore, the opponent managed to turn with a small Peugeot 107n heavy Alfa 156 by 180 degrees… What seems funny to me is this turn (to snatch it) ell was in a 30’s zone?) and the hit back right (lack of care when driving at “right in front of left”?). Ohso, something funny… Since the accident happened in the community, she immediately took her son who then took photos. My wife wanted to call the police, but then the son said that it only costs fines… An hour later the woman stood in the door and held a debt recognition in his hand… Well, I was there, of course, was not under Since it’s an older lady, I don’t want to think about a planned accident, but I know her and I know how she drives like that. Is the question whether it’s really 100% just our damage, or it’s a partial fault, because the damage to our Alfa is not insignificant and unfortunately we only have a partial cascade. Greeting, Sven