Category: KFZ-Versicherung Forum

Greetings, the following case: I was probably driven off the right side mirror in the middle of the night in front of my house on a Friday, my mirror flew off completely and left a dent on the A-Saule, its only folded (because it came from below to the top) and it probably took its outer mirror shell out of fear that someone heard it. Police was there and documented everything the next morning when I discovered it. u a 1er BMW (Facelift model can be excluded) and it is an older model 1 Genration in front of the F20 so EXX. EIn friend of mine saw on Monday such a car with glued-off left exterior mirror in front of an accident workshop. So directly the police called and see there the mirror fits 1 to 1 on this car. According to the owner of the workshop the car belongs to one of his employees and he did not know that his mirror is broken. The funny is that I at night around 1 0 times I drove there and the car was parked in the back of the yard, and see that the mirror had already been replaced freshly painted. How could the owner he knew about nothing but already ordered the spare parts? Everything very strange. I come from a 14000 inhabitants area how high is the chance to find a car that has exactly the right damage and he lacks the mirror cap in the right place? What’s even more funny that I exactly the day before At the same workshop was to give me an estimate for the damage. Does someone like the legal situation with something that the suspect is held accountable for? Would just like to know where I stand. With the police I only have an appointment about this in 2 days. I mean these are just too many coincidences at once to ignore this in my opinion. Thanks in advance

Servus people, my vehicle was damaged on Friday last week, my car was parked, fortunately the perusaler called the police. The damage was taken up by the police. My question is now how it goes on. I have not had an accident yet and do not even know about it, find me alone in Germany and do not want to ask questions with pleasure for advice. I then phoned the police on Saturday who have contact details of the perusaler but I found it strange that they gave me the data from the Verusacher and not from the vehicle owner because the insurance is from the vehicle owner. Well, I called the person (verusacher) then he did not answer until today. Now before 5 min he wrote me short and said that he will give me the verse number no later than Friday. My question how should I proceed? can I now go to the workshop odr what do I do? Sorry for possibly stupid But I really don’t know myself and I can’t speak German so well. Don’t know anyone who can open my eyes like that. Thank you very much.

Moin, I caused an accident in September 2019 when I wanted to leave from the inner lane of a roundabout. The injured person drove into me, I unfortunately did not notice it. The accident was reported by me to my insurance company, because the police accepted the accident I also had to pay an orderly money. Now I received mail last week, which my accident opponent filed against me and my insurance lawsuit. The insurance company has up to r nothing regulated. Now I would like to know how to behave. Do I have to turn on a lawyer as well? Or am I covered by insurance? Have a partial cascade where his damage should be covered. Thanks for your help.

Hello, since my car insurance has cancelled me because of too high damage frequency I was probably included in the HIS database. First for all who do not know what HIS is:http://…che-versicherungsboerse.de/…/index_dvb.php?… After 5 years you should be deleted from HIS if there is no new reason for an entry. From when do the 5 years count? On the day of the damage which led to the termination? Or other date? What if I now marry, take the surname of my girlfriend Is it right that an insurance must inform me if I have been notified to HIS? How do other insurance companies rate such data? If I want to switch to another car insurance company in 3 years, for example? Greetings Frank

Hello, my insurance for the next year has become 70€ more expensive (letter came on 29.11). However, the letter says:”Without tariff adjustment, regional and/or type class change would have resulted in a contribution of XYZ € in 2020. If this results in a higher contribution, you have a right of termination.” And this contribution of XYZ € corresponds exactly to what I paid last year for 2019. I assume that I have no right of termination, although the insurance deutli P.S.: I haven’t moved, but the regional liability class has changed from R3 to R4. Also the type class for Kasko has increased from 16 to 17

Hello, since 07.05.2016 I am fully covered by the golf and liability insurance – first of all “Premie Light” with loaned freedom of claims discounts of my father. I transferred this to me last year to the main liability (07.05.) and with the values 11 (liability), 14 (full cascade). Since the insurance is very expensive, I would like to switch to 07.05.2021. At the end of January I requested the current freedom of claims classes for both insurance. Today came a “second execution d I would have expected 12, 15. But it says again 11, 14. Is that so correct by the insurer? I would like to have the new insurance policy taken over and the damage-free classes taken over there, of course, but without losing a year. How do I do that? Greeting Christian

Hello, I have currently run my car insurance with providers 1 to 28.12.2019, then quit. With insurer 2 I have taken out an insurance from 1.1.2020 (inadvertently, because I was not clear that the old insurance is ONLY up to 28.12.). The new insurance can not prefer the start date, since it is only starting from 1.1.2020 (One Insurance). The old provider does not extend, the new can not start earlier. The insurances I have requested are covered by Since the new insurance has a very favorable tariff for me, I would like to use it. Is that possible somehow? What can I do? One Insurance says I have to call back the contract and sign a new contract elsewhere from 28.12.19. Thank you

I was offered a very young factory service car (age less than half a year, approx.10.000km) via brand dealers for private leasing. The new price is approximately (incl. all equipment) 75,000€ if it would be in the dealer’s sales room with list price. I want to drive the car only two years and about 22,000km. The leasing company calculated a transfer price of 45,000€ as the basis of the target rate to be paid. The return price (I have a purchase option at the end of the term) is fes t at 32.000€. What insurance value do I have to accept if I want to/must cover the car with a liability liability and a comprehensive insurance. Counts the fictitious new price (approx. 75.000) or counts the calculated and fixed transfer price (approx. 45,000) in order to compensate the lessor for accidental loss (theft or total damage) or for a partial damage (bumped in), which I do not want to be under-insured and in case of a case on T With my privately experienced damage-free discounts the ranges of the contributions to be paid are not insignificant and I got different answers from several partners and friends and…other experts I ask for competent help and advice THANK YOU

Hello everybody, I have a situation where I need a little help. My father has unfortunately passed away and now it’s about rewriting the registered + insured cars and taking over the percentages as far as possible. Currently the situation looks like this: On my father are insured: Auto A – SF13 – Insurance 1 Auto A is my sister’s car and only ran on my father. Here my sister (13 years of Fuhrersche) Auto B – SF 1 – Insurance 2 as second car since mid 2020 Auto C was insured with SF 35 for insurance 2 as first car until September and was already sold before my father’s death. So Auto B is the successor of Auto C, but not yet “correct”. First of all, I would ask for the insurance if you would have car B on the freed SF class of Auto B. This should not be a problem as far as I know. Auto B is the car that my mother would like to keep. At the moment, however, a car D with SF 27 is already insured on my mother. This is my car, which is already registered to me, but is insured about my mother. I say yes…something entangles the whole thing but grew over the years… Now to my question about which it is mainly about… Is it now possible that I can transfer vehicle B to my M If I had to rewrite my father’s SF for the car to my mother, and then the car D which belongs to me from the insurance to me and have the SF class rewritten from the car to me (of course only the SF classes according to the 17 years I have my driver’s license)? Alternatively, I would take over the insurance from Auto B and take over my father’s SF classes as far as possible. I just thought about how I can switch to Auto B and Auto D at some point so that holders and policyholders are the same. Maybe I’m also totally on the hose and there’s a much simpler solution that just doesn’t open up to me. I hope I explained my problem so far intelligibly and hope someone can help me. Thanks already in advance for your trouble.

The following case: The disc of my car was smashed, from my glove compartment tray, glasses, usb sticks were stolen. By the splinters of the disc the leather cover on one side was destroyed My TK now says: glass break, disc is replaced. The new leathering of the seat but not. The lady on the phone said that this would only have been taken over if essential parts like Navi etc. had been stolen. I think they confused something: Stolen objects are only taken over, if they are permanently installed (like Navi). But I’m not talking about replacing the stolen items, but about the destruction by the burglary/theft. That would have to be insured? I don’t find anything really helpful in the insurance conditions. I’m grateful for help.