Car insurance in Germany

Car insurance in Germany

Car insurance in Germany for Ukrainians 2024 is an important step for every car owner. Insurance not only provides protection in the event of an accident or other incidents, but is also a mandatory requirement for all drivers in the country. In this article, we will consider the legal stages of registration of insurance, the conditions for the provision of the service, situations when the service cannot be provided, methods for self-registration of insurance, common questions, and what determines the cost of legal services.

Legal stages of registration of car insurance in Germany

• Legal advice on registration of car insurance in Germany
• Checking documents and preparing the necessary papers: The first stage of a lawyer for registration of car insurance in Germany is the collection and verification of all necessary documents. These include: passport, driver's license, vehicle documents (e.g. Zulassungsbescheinigung Teil I and Teil II, which is similar to the registration certificate), as well as information about previous insurances, if any.
• Choosing the type of insurance: There are several types of car insurance in Germany: Kfz-Haftpflichtversicherung (compulsory third-party liability insurance) is a compulsory insurance that covers damage caused to third parties. Teilkaskoversicherung (partial casco) is a voluntary insurance that covers damage from theft, fire, natural disasters, etc. Vollkaskoversicherung (full casco) is the most comprehensive insurance that covers all types of damage, including damage to the owner's car itself as a result of an accident. Comparison of insurance companies and rates: At this stage, lawyers for car insurance in Germany compare offers from various insurance companies. Comparison helps to choose the best insurance in terms of price and conditions.
• Registration of the insurance contract: After choosing the insurer and type of insurance, you must sign the insurance contract. The contract must clearly state all insurance conditions, exclusions, liability limits and insurance costs.
• Obtaining an eVB-Nummer (electronic insurance number): After concluding the insurance contract, you will receive an eVB-Nummer - a unique code that must be provided to the Zulassungsstelle (registration office) to register the car.

Under what conditions the service can be provided

The process of obtaining car insurance in Germany can be started if

• A valid driver's license: To obtain car insurance in Germany, you must have a valid driver's license.
• The car must be registered in Germany: Insurance can only be issued for cars registered in Germany. This requires the provision of vehicle registration documents.
• Clean insurance history: Some insurers may request information about previous insurance claims. In the absence of serious violations or frequent insurance claims, the insurance conditions may be more favorable.
• Age and experience of the driver: Most insurance companies provide services only to drivers over 18 years of age with a certain minimum driving experience.

Under what conditions the service cannot be provided

The service on the issue of registration of car insurance in Germany 2024 cannot be provided if

• Lack of a valid driver's license: If you do not have a valid driver's license, the insurance company will not be able to provide the insurance service.
• Incorrect or invalid vehicle documents: Insurance cannot be issued if the vehicle documents are invalid or have errors.
• The vehicle has not passed the technical inspection (HU): In order to receive insurance, the vehicle must pass the mandatory technical inspection. Otherwise, the insurance company may refuse to provide the service.
• Serious violations or criminal cases related to driving: Drivers with serious traffic violations or convictions related to driving may be refused insurance. In this case, legal assistance in obtaining car insurance in Germany cannot be provided.

How to figure it out yourself elno

• Studying the terms of different insurance companies: In order to independently apply for insurance, it is important to study the terms offered by different insurance companies. This can be done online or using online calculators. Find out the list of documents for applying for car insurance in Germany.
• Consulting with experts: If you have any difficulties or questions, you can consult an insurance agent or specialist who will help you understand the terms and choose the best option.
• Comparing rates and services: Use online platforms to compare insurance rates. They allow you to see the differences in cost and conditions, which will help you make the right choice.
• Filling out an online insurance application: Many insurance companies in Germany provide the opportunity to apply for insurance online. It is convenient and saves time.

Frequently asked questions

• What documents are required to obtain car insurance in Germany? To obtain car insurance in Germany, you must provide several documents. First, you will need a passport or residence permit to identify yourself. You will also need to provide a vehicle registration certificate (Zulassungsbescheinigung Teil I and II). It is important to have a driver's license confirming your right to drive a vehicle. Additionally, information about your previous insurance history or policy may be required.
• How to find a car insurance lawyer in Germany? To find a car insurance lawyer in Germany, start by searching the internet using German-language queries such as "Anwalt für Kfz-Versicherung". Look for law firms that specialize in insurance law. You can also read customer reviews on specialized platforms to find a lawyer with a good reputation. It may be useful to contact the German Bar Association or use recommendations from friends and colleagues. Finally, contact the lawyers you have chosen and clarify their prices and terms of service.
• How much does a legal consultation on car insurance cost in Germany? The cost of a legal consultation on car insurance in Germany can vary. It usually depends on the region, the complexity of the case, and the experience of the lawyer. Some lawyers offer the first consultation for free or at a reduced price. It is also possible to get a consultation online, which may be cheaper.
• How much does it cost to get car insurance in Germany? The cost of getting car insurance in Germany depends on many factors. More comprehensive coverage, including partial or full casco (Teilkasko or Vollkasko), may increase the cost. The price depends on the type of car, the age and experience of the driver, as well as the region of residence. The cost may also be affected by the availability of additional services and insurance conditions provided by the insurance company.

What determines the cost of legal services

Car insurance in Germany Ukraine is an important and responsible process. Regardless of whether you decide to get insurance yourself or with the help of a lawyer, it is important to carefully read the terms, requirements and features of the process. We hope that this article will help you successfully get insurance and avoid possible complications.

• Case complexity: The more complex the case, the higher the cost of legal services. For example, if you need to challenge an insurance company's refusal to pay, this may require a significant amount of time and effort.
• Experience and qualifications of the lawyer: Experienced lawyers with a high level of qualifications usually charge a higher fee for their services.
• Region of service provision: The cost of legal services may vary in different regions of Germany. In large cities such as Berlin or Munich, services may cost more than in smaller cities.
• Time costs: Registration of car insurance in Germany the cost of legal services may depend on the time it takes to resolve the case. The longer the case takes, the higher the cost of services.