What should you not say to car insurance?

Avoid using phrases like “it was my fault,” “I’m sorry,” or “I apologize.” Don’t apologize to your insurer, the other driver, or law enforcement. Even if you are simply being polite and not intentionally admitting fault, these types of words and phrases will be used against you.

What does Teilkasko cover?

Teilkasko car insurance only covers the damage to other people and vehicles. If you cause an accident, your Teilkasko will pay to fix other people’s cars, but it will not pay you to on your own car. If the accident is someone else’s fault, their insurance will pay for the repairs on your car.

Does car insurance cover personal items?

No, car insurance does not cover theft of personal items that are left in your car. Property like your phone, laptop, and other valuables that might be stolen from your vehicle should be listed on your homeowner’s or renter’s insurance policy because they will not be covered by your car insurance.

How do I maximize my insurance claim?

In order to maximize the value of your claim, you should immediately report your injury, keep detailed records, attend all scheduled legal proceedings and appointments, and contact a lawyer.

Is car insurance mandatory in Germany?

All drivers in Germany must be covered by some form of car insurance. You cannot register a vehicle without it. If you are a long-term resident in Germany, you will need to have German car insurance, even if you brought your car to Germany from abroad; foreign car insurance does not suffice.

How do I find my eVB number?

You can apply for the eVB number free of charge from the insurer with whom you take out the car insurance. The quickest way is to apply for it online. Your insurance company will then provide you with the number by mail, email or SMS.

Should you always go through insurance?

Yes, insurance coverage can be costly, but so can the legal consequences of not following the law. If you have any doubt, go through the insurance company in order to protect yourself. If you file a claim, your insurance company is legally obligated to provide you a defense to liability or a lawsuit.