Insurance

Price comparison car insuranceWhoever owns a car in Germany also has to take out car insurance. As a Germany is even required by law. However, due to the price war prevailing in the industry, there are still considerable price differences in the Car Insurance. Anyone looking for low-cost car insurance should definitely compare several offers. This can be done without much effort with our price comparison car insurance. You only need to briefly enter a few details. Already you get an overview with the tariffs of almost all insurance companies. With price comparison car insurance you are guaranteed to find cheap car insurance. This service of Price comparison car insurance.Org is of course completely free of charge and non-binding for you.

Consider differences in benefits when comparing prices.

With a Price comparison However, you should not only pay attention to the premium amount for car insurance, but also to the benefits of the insurance Car insurance include in your decision. After all, what good is it if you have found a cheap car insurance policy with low premiums in the price comparison, but its benefits later leave much to be desired?. This can then ultimately cost you more than was saved by the low premium. Ultimately, the amount of the premium must always be in proportion to the benefits of the car insurance.

Type class and regional class

With a Price comparison for car insurance you also need to provide a few details about the car for which you are looking for insurance. This is necessary because each vehicle model is assigned to a certain type class in the car insurance. In principle, the higher the type class, the more you have to pay for your car insurance. If you have your car license ready, you only have to find and enter the four-digit manufacturer number and the three-digit type code number. You can also carry out the price comparison car insurance if you do not have your car license at hand. In this case, you simply need to specify your vehicle model with year of manufacture. Select engine from the list. In addition to the type class, the regional class also has a significant impact on the calculation of premiums for car insurance. Therefore you have to pay more for Price comparison car insurance in addition, specify either your area code or your postal code with. After that, the price comparison for car insurance can already start.

Legacy or legacy systems such as mainframes are always a headache for CIOs. Modernizing with moving applications and data to the cloud seems like the solution, but it also comes with some challenges. You can find out which procedures you should definitely have on your screen in our guidebook.

As digitization continues, many companies are looking to move their applications and data to the cloud. The advantage of cloud migration, which began on a large scale only a few years ago, is not only the modernization of the application landscape, but also that organizations can free themselves from the expensive maintenance of their own data centers.

The greatest difficulty is often the migration of data and applications on sometimes ancient mainframe behemoths and other legacy systems. "The future of legacy applications is in the cloud. But the issue is not quite so trivial and requires a competent partner like us," say experts at the All for One Group, the leading IT and consulting group from the DACH region.

Dent removal instead of replacement: Smart repair techniques are less costly than conventional car repairs and therefore cheaper. However, injured parties in an accident should not be satisfied with a minimum repair – otherwise there will be nasty surprises later on.

Small damages to the car can cause high costs: It is not uncommon for a complete hood to be painted or a fender to be replaced because of a few small scratches. An alternative is offered by repair techniques known as "Smart Repair". While these are often the cheapest alternative, they usually can't replace a professional repair – but that's exactly what injured parties are entitled to after an accident.

The principle of Smart Repair: instead of a (professionally) extensive, large-scale repair, the damage is mended with minimal effort – without replacing parts or interfering with the vehicle's structure. The best known procedure of this type is the repair of stone chips in the windshield with synthetic resin. Smart Repair can also be used to repair many typical sheet metal defects, avoiding expensive large-scale repainting whenever possible.

The injury was triggered by operating a motor vehicleMaking a claim from § 7 StVG to have, the damage must be Company of a Motor vehicle be causally triggered. The operation of a motor vehicle is defined as follows:

The Operation of a motor vehicle is the putting into use, the starting of the vehicle, which usually ends only with the fact that the vehicle is duly parked on a private property or a garage and is thus no longer in the road traffic.

As long as the vehicle is operated, one assumes a "Operational risk" from. This means that the operation of a vehicle alone gives rise to an abstract risk, which is charged to the owner of the vehicle.

In strong winds and hurricane-force gusts, the car can be shaken up quite a bit.

There it is called: Both hands on the wheel, foot off the gas and gently countersteer.

Those who drive too fast have much less time to react to sudden gusts of wind.

Some vehicles are particularly at risk.

You can find more car topics here

The wind howls and shakes the car, it shifts to the left, then to the right again. In addition perhaps still rain, which whips against the windows and demands the wipers.

Driving in strong winds requires full attention and adapted speed. Distraction by music or intense conversations? Better not now. Even more than usual: Both hands on the steering wheel. Because a gust suddenly grabs the car, is appropriate gentle countersteering, advises the ADAC.

Safety in the car gives a good feeling. For more safety on the road, you should (have) your vehicle checked regularly. You should avoid any distractions while driving – even seemingly minor inattentions can cause great harm. Safe driving also favors you in car insurance – your premiums go down.

Drive safely: Here's what you need to look out for before driving off

Safety on the road begins before you start driving. This is especially true if you are starting up your car again for the first time after a long period out of action.

A rear-end collision on the road happens quickly. Then many questions arise – for example, the one about the police. In the event of an undisputed accident, the parties involved can settle everything necessary themselves without police assistance.

"The police should always be called if the course of the accident is disputed or if there is a suspicion of a criminal act or if a party or injured party has to be identified," says Tobias Goldkamp, specialist lawyer for traffic law from Neuss.

"In this case, both parties involved in the accident should exchange their contact details, including their insurance numbers," says Gerrit Reichel of the ACV Automobil-Club Verkehr. In the case of leased or rented vehicles, however, a police accident report could often be mandatory.

Quads experienced a real boom in the noughties. While the four-wheeled vehicles were initially used only by the U.S. Military, in agriculture and forestry, and in disaster relief as utility vehicles, more and more discovered the driving fun with the fast off-road vehicle. Since then, quads are also more common on German roads in the warmer months. What driver's license you need for a quad and how a Quad insured can be, you will learn here.

What is actually a quad or. An ATV?

A quad is a kind of hybrid between motorcycle and car. On four wheels with one or two seats, it is available in different sizes and motorizations. Atvs are one form of quad. ATV is the abbreviation for "All Terrain Vehicle", which in German means "vehicle for all terrains.

Quads usually have a two-wheel drive, ATVs, on the other hand, a four-wheel drive, as they are thus particularly suitable for off-road use. In addition, there are so-called SSV, short for Side-by-Side-Vehicles. Typical for these vehicles are a roof and a bench seat, where the driver and passenger sit next to each other – this feature also explains the name.

Hit-and-run accidents, known as "unauthorized removal from the scene of an accident" in legal terminology, are severely punished by the legislature. This happens not only when people have been injured or put in danger, but even in the case of obvious minor accidents, such as a scratch when parking or backing out of a parking space. If you leave the scene of an accident, depending on the severity of the accident, you can even lose your driver's license and face several years in prison. The car insurance company will also react accordingly. If partial casco insured are damaged, it does not step at all into achievement. In the case of comprehensive insurance, compensation is initially paid, but this is followed by a severe downgrading of the no-claims bonus. Traffic victim assistance intervenes in cases of personal injury if the guilty party cannot be found. If one finds the causer of the accident, his car insurance has to pay for the damage. However, it subsequently raises a recourse claim of up to 5,000 euros against the guilty policyholder. The term "unauthorized removal from the scene of an accident" applies to all parties involved in an accident. Is by no means limited exclusively to one or the presumed guilty party. In many cases, the question of guilt or involvement cannot even be clearly determined without the help of an expert witness. However, anyone who could theoretically have contributed to the accident through their behavior commits hit-and-run if they do not follow the given rules.

Accident participants, regardless of whether they are on foot, on a bicycle, on a motorcycle or in a motor vehicle, are in any case obliged to have their personal details and information on the vehicle and the course of the accident recorded immediately. It becomes problematic, however, if the injured party is not at the scene of the accident and therefore unresponsive. In such cases an appropriate time must be waited for. Generally, 30 minutes is sufficient, but after that the person involved in the accident must immediately report to the police and clarify the circumstances there.

Some people believe that they have fulfilled their obligation if they attach a note with their personal data under the windshield wiper after the half-hour waiting period has expired. However, this solution is not recognized by the courts, but is also treated as "unauthorized removal" and punished. Under all circumstances, in this case, the nearest police station must be visited to report the situation together with the personal data. A hit-and-run driver is also punished if he leaves the scene of an accident after 30 minutes or, for good reason, sooner and does not report to the police "immediately" afterwards. Within 24 hours of the incident, extenuating circumstances can usually still be invoked in court. However, in practice, "immediately" is translated as a realistic "as soon as possible".

Double housekeepingYou work in a city further away and maintain a home there during the week
Second home? If the for professional reasons you have two options from a tax point of view:

– you can claim the expenses for the second home as income-related expenses.
– Alternatively, you can also deduct the travel expenses between your main place of residence and your place of work, if these are higher.
Tip: Your choice is not permanent; you can change your mind every year.

By the way: GEZ fees are generally not tax-deductible. But if the tax office recognizes your double housekeeping, you can declare the GEZ fees for the second home as income-related expenses in the tax return.