Hochstufen ohne Unfall

Diskutiere Hochstufen ohne Unfall im Schadenfreiheitsrabatt Forum im Bereich KFZ Versicherung; Mein Versicherung hat mich nun hochgestuft obwohl kein Unfall bzw. kein Unfall der von der Versicherung reguliert werden muss. Hatte zwar...
U

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Mein Versicherung hat mich nun hochgestuft obwohl kein Unfall bzw. kein Unfall der von der Versicherung reguliert werden muss.

Hatte zwar einen kleinen Unfall aber Gegner hat nichts machen lassen. Hab dem 300€ gegeben und der war zufrieden. Auch meine Versicherung sagt das sie nix regulieren mussten. Trotzdem werde ich hochgestuft. Ist das so richtig?
 
U

Unregistriert

Nein ist es nicht.

ABER:

Sobald ein Unfall gemeldet wurde wirst du imemr zum Jahresende gestuft, es sei denn der Schaden wird vorher ohne eine Zahlung geschlossen.
Das liegt daran das die Versicherungen eine Rücklage für den Schadenbilden müssen.
Dieses Geld darf dann nicht mehr angefast werden bis der Schaden Reguliert wurde oder geschlossen wurde.

Es kann also sein, dass der Schaden bei dir noch nicht geschlossen ist oder das dieser versehentlich geschlossen wurde ohne Ihn wieder zu entlasten.
Ich würde da mal anrufen und nachfragen.

Möglich ist aber auch wenn es kurz vor Jahreswechsel passiert ist oder der Schaden erst kurz vor Jahreswechsel geschlossen wurde, dass die Vertragsabteilung mit dem Rausschicken der Rechnung schneller war und dort die entlastung deines Vertragses noch nicht im System verarbeitet war.

Auch hier Nachfragen.
Der Schaden muss aber wenn nichts Reguliert wurde auch entlastet werden da gibt es kein wenn und aber.
 
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