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Hello municipality, in March had a liability damage on the car, where another car drove backwards into the rear of my parked vehicle and punched a corresponding large hole in my bumper with the trailer train/trailer coupling. After the self-regulation will of the causer has dissolved into air… I was then 2 weeks ago with the expert. Expert report was quickly finished and with the insurance of the causer. Now the final amount differs. in the report of the amount determined and transferred by the insurer. In the report a point “NFA/ORTEIL COMPARISON OF LACKING” is estimated with a deduction of 40,- € from the net repair costs. In the letter of the insurance are deducted from the almost net final amount of the expert (NFA already deducted) identical “calculated repair costs” again 40,- € “deduction new for old”. The car was never with an expert of the insurer. In the case of an almost four-digit amount, the cost of repair differs by only €2.- €. I could live with it. But why is the deduction calculated twice? And when is such a deduction appropriate? I found an explanation in the net. Quotation: The paint in the damage area is ten years old, but intact. Because there was no reason for the victim to repaint or repaint, he has no measurable and timely advantage due to the damage-related painting. ür-alt-deduction is not justified. I now had no reason for a corresponding repainting or repainting up to the case of damage. Is it a calculation error of the insurer or a mental/understanding error with me? Or both?

Hello together, I try to explain my car insurance history chronologically: First own car registered and insured on myself 18 years ago (always TK). Since then, permanently owns cars and TK-insured on me until 2013. The first 8 years always at the DBV, then at the AXA. In 2013 I used the car full cascade offered by BMW in conjunction with a leasing car and was therefore the last 3 years over BMW at the ERGO So I have “real” 15 years of insurance. Now I wanted to insure a new car with the AXA (VK), which tells me however, that I have only one SF8 in both TK and VK. Now it is complicated: 17 years ago I had a self-inflicted accident (at that time approx. 2,500DM damage), which was regulated by the DBV. At the AXA I later had two or three vandalism damages, which I had I am aware of the fact that the 3 years of Ergo are not recognized by AXA. Nevertheless, after 18 years, an SF8 seems to me to be somewhat low? Unfortunately, I also don’t have any documents from the time before the BMW lease, so I can’t understand how the AXA actually classified me until 2013. Can any of you understand the SF8? Thank you very much!

After I have been misled by my insurance, I want to change the insurance after 60 (!) years. This still comes from my father from 1956, later my mother first, then I took over the insurance contract. So I choose online the cheapest offer, fill everything out, everything seems clear, but instead of the expected insurance contract I get the message “Acquire at Allsecur not possible.” The friendly young man in the hotline This cannot be explained either, but does not want to participate in speculation about the reasons. In question is either my age (over 60) or the fact that I only want liability and reject all other additional offers. An older gentleman, who is almost 44 years accident-free, should actually be the dream partner of an insurance company. Think. But „Rassism and discrimination” are probably the worst allegations that one can raise in this country. And here l Is there any place where you can complain?

Hi to all, We have 2 cars whose insurances we are currently putting on the test. One of them is an E-Class Combi Bj2008. We own this one for a very long time and I am registered as a driver. Now I have calculated the insurance without me as a driver and come to 122€ less per year. I go to the 30, married. Is this normal that the insurance requires even with older neat additions? Especially since I use the ride only occasionally I would use myself as a Fa omitting you, does the disadvantages result? And you have to report a casco damage (stonefall) to the new insurance also when calculating (hike at “must regulate a damage to your insurance last year”?) Am there a bit confused and hope for good advice.

Hello, my wife has had a serious traffic accident with my son, a wrong driver has hit her frontally. My little one is doing quite well by now, but my wife still has complaints. In addition, now the opposing Kravag insurance does not pay. It’s been 4 weeks and we haven’t seen a cent yet. Our car is completely burnt out, residual value 20€. Now we have paid a lot from our own pocket: ID cards, children I have also turned on a lawyer, only the statement that the processing is still taking place comes always. Does anyone have experience with a similar situation? The case is not yet closed with the police and there will also be a trial, since the accident opponent drugs were probably in play. I think it is a huge mess like a life is made difficult. If now the guilt question is not so clear, w I won’t complain….