On May 14, 2022, a Smart drove into Fischer’s stationary Audi. The driver reported this to his insurance company.
Now the Coburg company apparently did not want to pay for Fischer’s rear end damage again. The IT consultant turned to the renowned Hamburg traffic law firm Ochsendorf & Coll. Around 30,000 insurance claims are processed there every year. JUDr. Frank Ochsendorf says: “The insurers are hiding behind the fact that they want to prevent cases of fraud by billing a claim twice. In principle, there is nothing to be said against it. Particularly rabid insurance companies, as in this case, simply say: ‘Then complain.’ They know that this is associated with high costs.”
In 2017 he was hit by a car. “The damage was 1,198 euros and was repaired at VW,” says Fischer.
In Internet portals, many customers complain about the efficient methods of the HUK. When asked by AUTO BILD, she said: “It is undisputed that Mr. Fischer’s car had previous damage at the time of the accident, which was in the area that was damaged again. The expert also took this into account in his report and deducted a compensation amount when calculating the repair costs . From our point of view, it was too low. That’s why we asked his lawyer for a more detailed explanation.”
After the accident, the car came to the Audi workshop. A TÜV expert estimated the damage at 3674.13 euros.
Unfortunately, the HUK has been waiting for his answer for over two months, it is said. “We want to reach an amicable agreement, so we have now checked the matter again. Since we did not have any more detailed information, we have now determined the extent of the damage ourselves. To do this, we have identified the positions of the bumper cover affected by the overlapping damage and their paintwork calculated from the repair invoice and adjusted accordingly. Should Mr. Fischer’s expert have any objections, we would be happy to discuss them with him.” That sounds like a quick fix.
This is how the ombudsman helps in trouble with the insurance company
If you have trouble with insurance but no legal protection, you can contact a free arbitration board. The Berlin-based ombudsman for insurance companies has existed since 2001. It is a neutral, independent authority. 95 percent of insurance companies in Germany have joined the system.
The procedure is free of charge for the insurance customer and usually takes less than three months. The success rate is more than 40 percent. The ombudsman makes decisions in accordance with the law – just like a judge.
www.versicherungsombudsmann.de
