Category: KFZ-Versicherung Forum

Hello guys, I ransacked the forum and also searched google until vomiting. Unfortunately I find no final answer to my problem. I had an accident without fault, the debt question is finally clarified, an expert report was prepared. Restitution value gross: 31,500 Euro Repraraturkosten grosso: 18.000 Euro Restwert 19.300 Euro I sold the car for the determined residual value unrepaired. For the determination it was set in a residual value platform Today I got a call from the lawyer that the insurance only refunded the difference between the net replacement value of 26.500 euros. So I received the following amounts: 19.300 euros + 7.200 euros = 26.500 euros. This is a total shock for me, because I would have preferred to have the car repaired then to sell it for e.g. 28,000 euros. Is this procedure right, it was after all no total damage and I did not have the car repaired by any backyard workshop. 5,000 euros loss hit me hard PS: I had received the information from the expert, because it was not a total damage I would get the full difference between replacement value and residual value from the insurance 🙁

Hello, someone can give me an assessment: My ’93 Vento was parked on the street with my parents when it rang in the evening (it was already dark). A neighbor was there and said that he and his son had been watching a lady park in front of the Vento. And then drove away. My parents called the police. The “accident” was taken up and I received two letters from the police. Once an explanation was drawn where witnesses, causer and return point were . And then a hearing sheet, where I should express myself and ideally indicate something about the level of damage. And then send it back to the police. In fact, it’s the case that on the information sheet “punishment” is ticked and the driver probably says that she didn’t drive against it. I can’t tell myself exactly what could be damaged, because the Vento in the field of impact observed by the witness has a lot of scratches. What should I do now? Painters go and have an estimate made (but it’s chargeable)? As I said, you can’t say exactly which scratches come from the impact car. He could certainly create a cost estimate for me, on the basis of which it would be billed (is that possible in this situation at all, if the other one says she didn’t drive against it?), there are enough quirks there. And then, if necessary, let some other places be repaired with it. Or is one left then If necessary, sit on the costs or have to order an expert, who could probably also not detect any damage due to this augmentation? Moreover, the value of the ventos should only be a few 100€. Thank you.

Hello all, I am an early retiree, had an unincurred reversing accident on 10.05.2019. The opposing insurance has already taken over and paid the damage of my vehicle. But they do not want to pay me any pain money. I was after the reversing accident with my family doctor, who diagnoses that I suffer from the consequences of an HWS distorsio (S13.4., G), belly cover bruise (S30.1, G). I have submitted the medical certificate to the opposing insurance. can you please give me further information/assistance? Then I have a second question: The opposing insurance company paid me the money for the damage I received from the insurance company due to an expert’s report from a car repair shop to which I sold my vehicle unrepaired. Now the expert wants to pass on the money for the damage I paid from the insurance company to him completely. et. In this case, do I have to transfer the full amount to the evaluator? Thank you very much in advance.

The following case I bought myself a BMW 318i BJ 2017 or my father me. Now he has been with the Concordia for years, he has SF4 There we paid for the previous Golf 7 1150 euros a year so comprehensive I am with him as driver(bin 22) Now my father was at the Concordia but nothing signed and the meant for the BMW he now pays 1370 euros a year. Has got an EvB number for short-term registration marks and one for the registration. But now we have at Huk Cobur g see that with them the total costs only 800 euros Can my father now cancel the Concordia and go to the Huk? I register the old car tomorrow and then give it to the dealer where we bought the new one. How can this be that we have to pay 1400 at the Concordia and only 800 at Huk?? thank you

Hello, I have already used the search function, but found no exact answer to my question.. Quite common case: I have been insured with my first car over my father since September 2015 (second car from him). He is currently also the holder, I the registered driver. Next year the insurance is classified with SF5. Now I want to transfer the insurance to me and switch at the same time, because the current insurance provider would then be too expensive. D my father announces the VS at the end of the year, I register my car again on me, give a pre-insurance with SF5 and then inform the new insurance that the SF from the previous insurance should be transferred to me, as far as correct? Now the question arises to me how to do this now best in time without a year to get an SF increase (because registration and insurance start is not possible on 01.01, only on 02.01, So 2020 wouldn’t be a whole “driving year” and without staying for another year with the current insurance (change of approval now in October, but thus new contract term until October 2020 and must stay with the expensive insurance).When would you change the car and the insurance change, so that the term of the next year only goes up to 31.12 and I don’t give a SF? Bzw. is that at all possible? Greeting Nadine

Hello all, 4 weeks ago someone drove in at a red traffic light on the rear right on the rims/wings. I then immediately had an expert report at the Dekra and handed over to my lawyer. Last week now the first answer of the insurance of the damage causer, with the hacking about an old damage from a 3/4 year ago. At that time I had a hail damage and the expert noted under “old damage”: – side wall back right finishing But I wouldn’t even know that there was something about this “envelopment” myself, nor did I bother at that time with this little note in the report. Now I hacked right after the reviewer, what he wanted to see then, or if he took photos of it. His answer: “Hello Mr xxx, unfortunately I only have overview photos here, because it is a hail damage. According to my records, these are smaller envelopments, but because of their This is not due to the hail damage. On the overview photo from the back right they are not even visible. With kind regards” Tsja ….. and now ??? There was 100% no pre-damage, which at least seemed to me, or my brothers would have fallen into the eye ! We bought the car 2 months before this hail damage, and there was no finishing on the back right side wall during the purchase / inspection. The following insurance also writes, the Si e there repair-proofs and invoices want to have …. What should I do now???? … if even the expert of that time can not explain to me what he wants to have seen…. …to the further inquiries, whether he does not want to issue me something oficial, what I could give to the against. Insurance, which this old damage-mark was not a tragic big one, he answers me no more…. …that is to vomit ….. The actual damage amounts to over 4000€, since also track/ Fall back to the right outside of all standards… the insurance company is going to “crack” that statement and cancel what’s going on, and I’m standing there like a moron.

Moin moin, I have been insured at HUK since the beginning of 2013. In April 2011 I covered a car for myself for the first time, I did this via the DEVK. There you could start with the SF1 by the “Young People Regulation” (5 contracts at the DEVK, i.e. health insurance, private liability etc.) Now I have received a letter from the HUK that the DEVK has informed them that I am only in the SF1 instead of in the SF3. 2011=SF1 2012=SF2 2013=SF3 instead of the SF0 I would have been in the SF2, or do I see this wrong? 2011=SF0 2012=SF1 2013=SF2 I called the DEVK and they said that between the SF0 and SF1 there is the SF1/2? There are those but normal you can’t get in there in my case Have just called the DEVK and on the phone you can’t do anything now and I have to turn to the HUK if the SF3 still acknowledge or have the SF2 driver’s license i ch since 21.10.2008 I was born on 28.05.1986 Greeting

Moin, we had a disc damage with free workshop choice. Directly comes a letter where we are warned not to go to a non-partner workshop, should we dare nevertheless, we should absolutely get three offers because of damage reduction obligation. Already naughty and brazen! Then we got repaired and now the HUK shortens the wages by 18EUR (with over 500EUR accounts!). How stupid are they actually? Now there are 5 cars terminated there (since anyway special cancellation away). But with such a store one is definitely wrong as a customer! My question: May the HUK cut at all on the grounds that the hourly rate would be above the test limit under consideration of regional values? I would like to open up the A**** to them. Hopefully the next Air Berlin is called HUK!

Hallows together. I have at the moment quite a disaster concerning the Huk. Actually I thought it would be done. Well. Wrong thought. In the middle of January one of the insured the huk drove into the passenger side. The guilt question has been settled long ago, because he parked shortly after me and probably overlooked and overheard that I was still taking my gear. Well happened. Damage reported, cost estimate of the contract workshop of the Huk had done. All Since I have known this workshop for a long time, I decided not to have it done in this workshop at short notice. I said this in a conversation and asked to transfer the money for an independent repair to the specified bank details. At first, however, they did not want to have any problems, then they still wanted to have an expert report. OK, no problem. So I drove to TÜV and had an expert report prepared. However, in 2008 car was only a few kilometres old and a lot of beauty-sops were made. Of course tuning is not paid. The report showed a current value of 4,400 euros. And a damaging value of just under 2,700 euros net. New door, new exterior mirror and a paint-up must come from. The Huk then reported after a week and see there. The report is doubted… Now the huk cars of the same brand and the you estimate the time value to not more than 2,800 euros. All sent cars I could not find on any of you specified page, of course with input of all the equipment I have in mine… I got a prepayment of 1,000 euros. But now the huk leaves me quite in the dark. Did any of you ever have something like this and could recommend me the next step oä? RS insurance I have. lawyer I would soon infor However, I would like to consider all possibilities before it is turned on… Ubfalltag is already 2 months ago and slowly I am really at the end with the patience.. LG

Hello dear forum, I came from Australia on 09.09.19. I bought a car with my buddy on 10.09.19. Short-term license plate in his name, because we got it in his county. On the way home from the car purchase to him drove and there. On 11.09.2019 from him drove home and on the way home again to Mediamarkt to buy a mobile phone holder for the car. I was stopped by the police, did not mind, until you clearly me I didn’t even think that I could make a detour on the way home. I thought that date that is on the short-term license plate counts and that I can use the car. (Welcome to Germany). You indicated me and said that all this goes before the prosecutor’s office, but with my statement I have a probability that the case will be dropped. Now my question, what can happen to me, what is the worst case and the best case scenario? Thank you and love greetings