Rumms – slippery roads in winter sometimes cause fender damage. Motor vehicle liability insurance covers damage caused by third parties. Your own can cover any fully comprehensive insurance you may have taken out.
But the downgrade to a less favorable no-claims class (SF class) is then usually unavoidable, according to the NRW consumer advice center. The insurance premium can increase significantly in the following year because you slip into a less favorable SF class.
Each insurer lists how downgrading occurs in its own table. In addition, the downgrade occurs regardless of the amount of damage. A previously agreed deductible must also be paid.
The consumer advocates give tips on how things can be cheaper:
- Pay the damage out of your own pocket: This is an option, especially if there is minor property damage – both for third-party damage and your own damage. The consumer advocates give a rule of thumb: up to a damage amount of 1,000 euros, it is often cheaper to dig into your pockets yourself.
- Buy back damage: It is often possible to pay for damage that was initially covered by the insurance company yourself and thus avoid a downgrade. This is also a good option because the costs of an accident are difficult to estimate in advance. How expensive a downgrade in liability and comprehensive insurance really is also varies. Insured parties usually have six months after the insurance settles the damage to repurchase the damage. The exact deadline is stated in the insurance documents.
- To avoid being downgraded after damage, you can also take out discount protection. This means that you usually have one claim free per year, so to speak. However, such options increase the insurance rate. They could be worthwhile for frequent drivers and expensive cars. However, this only applies to the respective insurance company. After damage and replacement, you will usually be downgraded accordingly.
Secure now: We’ll give you 1 month of WK+ for free!
To home page
2023-11-29 07:26:24
#Tips #settling #claims #car #accident
