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Hello and that the girlfriend of my mama has borrowed her car from us then I took out the keys of the handbag from my mama where she has the clothes hangers.Bin drove for a while, then started raining and it was a bmw 320i I pushed a bit more on the gas pedal and the bmw slipped and I have a Renault Clio bj.2006 and a trailer damaged the bmw is of course TOTALSCHADEN.What happens now is 17 years old ? will our ha If it’s going to pay or how can it help me ?? will the driver’s license be drawn by my mother ? or do we have to pay it now what happens to my mama’s girlfriend ? none to help me there another M.F.G Micha

Hello..02.06.2009_18:45 I thought I never caught it.. but apparently you can’t get around it. Last Tuesday an old woman drove in the car. She came out of a driveway, I drove on the main road with about Tacho 45 km/h. Probably looked me over; she says another driver had waved her out. I still made a full brake and tried to avoid it, but didn’t work out. Well, anyway, it’s her fault. 19:15 Call to the central call of the insurer. Call to the opposing insurance company. Report the damage. Order of the insurance expert. The expert should contact me within 48 hours. 04.06.2009_19:20 No call of the expert so far. 48 hours passed. 19:25 Call to the opposing insurance company. Appointment for expert inspection for next Monday (today) 08.06.2009 between 0 8:00 a.m. and 10:00 a.m. Telephone instruction of the insurance company I should stay at home from work, as appointments are only possible Mon-Fri 8-12 a.m. Other telephone instruction: If I can’t make the appointment, please contact me before Monday. 08.06.2009_06:30 Start of duty. yo-chi stays at home and waits for the expert. 08:00 yo-chi goes armed with mobile phone to the vehicle to do small things (pull out, wash the water). DEKRA. The expert will not come. No further appointment, as no appointments for inspection are free. DEKRA wants to call either on Tuesday or Wednesday again. 08:25 yo-chi sour. Short determined trip to the independent KÜS expert and preparation of an accident report. Costs must be taken over anyway by the opposing insurance. I ́m curious what there is in there and whether a total damage will be or not. Geil.. did not have extra around 06. :30 o’clock started to work, but took hours off to come later, all because of the appointment, which was then canceled. In the end I was at work at 09:20 o’clock. Can I demand the time from 06:30 o’clock to 08:50 o’clock (08:20 o’clock + 30 minutes driving time to work) from the insurance company? I’m not responsible for the fact that the expert didn’t come. Just as little is it my fault that I’m not informed until Monday at 08:20 o’clock that the appointment nic If the accident did not happen, then I would have spent my time differently than waiting for the expert at home. Normally I would not say anything, but the opposing insurance company has informed me especially if the appointment could not take place on my part, then I should report immediately and not only on Monday. I should stick to it, but the insurance needs to take place. as apparently not?! Greetings yo-chi (hoppla is that but much text..)

Hello forum! This is not a special “1er question” but unfortunately I don’t know where else I could put it. I found that it has a clear effect on the amount of the insurance if you specify another user in the application apart from the owner. (in my case approx. €70.00 / year difference) On the other hand, I have heard that in case of damage, the insurance must pay in any case, so even if a person was at the tax, who according to the contract did not pay for use In this case, the owner only has to pay the difference in contributions. Is that correct? Is it not in every case cheaper to specify only himself (= vehicle owner) as user? How much contribution must be paid in case of damage? (since the beginning of the insurance?, year?, quarter?, month?) Thanks for tips!