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Aii people, I had an accident with my Corsa a couple of months ago. A girl ran across the street without peeking and was hit by me. I had 3 eyewitnesses who all told the police that I was not responsible for the accident, the girl herself admitted it and the police then also gave me right in her report. When I then came into contact with the insurance of the girl, I honestly thought, in such a clear and unambiguous situation, w I had to wait 7 weeks for the insurance to come out of my ass to send an expert who looked at my car. I then thought that it would end soon, until I got a letter from the insurance company, in which they told me that they were in accordance with §7 Road Traffic Code (“When operating a vehicle or a trailer, the vehicle is in use”). u is destined to be carried by a motor vehicle, a person killed, a person’s body or health injured or a thing damaged, so the owner is obliged to compensate the injured person for the resulting damage.” only for 75% of the damage will arise. In the factory I was told that they had never experienced such impudence before. I also thought I was crazy. I have an appointment with the lawyer on Wednesday, in the worst case the girl will be I just wanted to know, has someone here an insurance already come with the §7 stvg as an excuse not to pay the damage? Has someone had experience with it? I find it so bold and naughty. mfG

Hello, I have a somewhat special question. I have insured my car as a second car over my father’s liability. My brother has also insured a car as a first car over my father’s liability (45%) + all-inclusive (45%). Now I want to buy a relatively new car next year with which I then also need a comprehensive insurance. Since I am currently only driving around with liability I would get into it with the all-inclusive relatively high next year. Now I wanted to know if me n plan would work that way. I want to get my brother to re-register the insurance on his name and take the percentages he currently has about my father. My brother drove the percentages down so it would have to work. Then I want to register the new car that I buy a few months later on my father as a first car so that I get in with lower percentages. Would my plan work? The decisive things are whether my brother can simply take over the percentages and whether the percentages are still available with my father as a first car so that I can use them. Wouldn’t be bad if something like this works because comprehensive with high percentages is expensive. Is a bit complicated but hope you understand what I mean. I should actually know this the insurance questions but wanted to inform me in advance already if this is realistic, because it still has time until shortly before November.

Moin together, one more question : I unfortunately produced a small accident in December 2011 while parking (only lightest scratches) with my mother’s car. We reported the accident in January 2012 of the car liabilityV. As a result, my mother in the damage freedom class has significantly upgraded for the year 2012. Now it’s the case that my mother wanted to give me the car for a long time.We now plan to transfer the car to me. Then in case of admittance would be Is it possible to cancel the old insurance policy of my mother automatically? With the result that the old compulsory insurance company could only require a share of the annual amount until my mother’s termination, but would still have to be fully liable for the damage caused by 2011 or? My question: can the “old” compulsory insurance company take recourse in such cases? Otherwise, any policyholder could be liable for a breach of the law. in case of increased premium quite easily evade by selling or decommissioning the car.. Thank you.I hope I was not too complicated… Admiral

Hello Motor-talk people, I will soon be finished with my driver’s license and wonder how it is best to insure a car as a beginner. My situation: I live in Berlin and am 19 years old. I have the problem that my mother with whom I live has no driver’s license. My father lives in England, has a driver’s license and owns a vehicle. My grandmother has no driver’s license, which also lives in Berlin. My grandfather has a foothold. My uncle lives in Munich who owns a driver’s license, but not a car. He drove his own car for a few years. My step-daughter is not married to my uncle, who also lives with him in Munich. She owns a vehicle and a driver’s license. I would like to have the car insured at the HUK-Coburg or at HUK24.de. Now to my question: en: Can I have the car insured on my grandfather and can I then drive the vehicle and enter later in a cheaper SF class? Can I have the car insured on my uncle or steptante, who live in Munich, but the vehicle is run in Berlin and later also take over the SF discount? If so, what would be cheaper? Let the car be insured as a second car and must it be the same insurance? Will I be forced with 240% (1300-1550 € at HUK) a How can you best prove to have driven a vehicle (because of the insurance)? I would be happy if you would leave answers.