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Hello, I have registered several cars with my insurance company so far, but I still ask myself a question: How is the damage-free class defined for a certain holder? The following story: My father leads for years with 30%! Then I got my own car and, along with my father’s, registered it to my mother and insured it! Then I drove with the 30% and my father with 85%, with the 85% actually my percent and the 30% my Vate I’ve been on my father’s car for two years now, but my brother has bought a car and registered it for my mother! Now it looks like my car is still running at 30%, my own percent still has to be 70! My brother’s car is now running at 70%, and he must have entered at 85%, which is now on my father’s bill! Why is this going to be so complicated? But now to the actual question: The insurance representative asked me at the beginning, when I registered the car, which SF I have! I had to answer: “I don’t know, I’ve never driven a car before!” (that was about 2 years ago) But if I had said: “I’ve been driving accident-free for 10 years”, then he would have noticed that! So how is the SF defined?? Who or what sets my percentages?? Is this noted somewhere or can I go to the insurance company? g go and just say something?? Would I be happy if someone here would bring us dark light! the_hero

the following story, which shows how the HUK wants to take care of my insurance case as quickly as possible, at my expense. To the point of fact, I drove about 50m behind a vehicle, as it turned right following the road. As I also drove around the corner, I saw the vehicle standing right at the edge of the road. It was obvious that the driver wanted to park there, since he was already stopping. Therefore, I drove left past the vehicle. When I was at the height of the driver, he gave gas at once and pulled his vehicle to the left. There, however, I found myself at that time. Also, my full braking and my dodging did not help. The rear bumper of the opposing vehicle remained hanging on my right fender as it moved further and further to the left. Despite noise, the driver continued to drive and only through my hooves did he stop 50m further. The police, which I had informed, first instructed the driver before asking him about the accident. If he still had I would be guilty if he confessed, then he would be guilty. Everyone can think what his statement was, although he had said something else before witnesses before. The police didn’t care. Photos taken from the accident site and 4 weeks later the surprise came. Penalty notice, because of alleged overtaking in unclear traffic situation. Unfortunately there were no witnesses for the accident itself. Nevertheless, I filed an appeal to the fine. The court came to the same The case against me was stopped. My belief in justice was restored. But I didn’t expect my insurance. The HUK now thinks that after the inspection of the police files and the splinter field I have overtaken in the event of unclear traffic situation. How can an insurance company simply ignore the decision of a court? The argument of the clerk, the splinters lay me hr on the left side of the road and therefore I would have overtaken – ?????? – The HUK’s clerk has no interest at all in campaigning for the policyholder. Much prefers to divide the damage, with the downgrading they then get the money back again. The damage amounts to approx. EUR 800.- on both sides. What can I do against the decision of my insurance? Thanks for every hint