Car insurance in spite of insurance debts – the different ways

adminonFebruary 9, 2023April 6, 2023Leave a Comment

Many people need a car to do the important things of everyday life. However, in Germany no one is allowed to drive a vehicle without insurance coverage. However, what if an insurance company has accumulated debts?? This article is about how to take out a car insurance despite insurance debts. Which ways there are, is explained in detail.

Is there a car insurance despite debts or personal insolvency? Learn more about car insurance despite an insolvency or. Insurance debts. Visit now our page PKW-Versicherung24.biz

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Motor vehicle insurance is a legal obligation

car insurance in spite of insurance debts - the different ways

Anyone who is the driver of a car must take out car insurance, as this is compulsory by law. If there is no insurance and a vehicle is still driven in parallel, this is punishable by law. However, it is not exactly cheap to maintain a car and it can quickly happen that the owner or driver of the vehicle gets into financial difficulties. How is it still possible to take out car insurance despite insurance debts? There are many insurers who then refuse to conclude a contract. But it is possible to get car insurance without a credit check.

How do vehicle drivers get car insurance despite insurance debts?

Car insurance is a compulsory insurance policy. That's why insurers continue to accept policies, not reject them, even though there are debts owed to them. But here, the vehicle driver must accept some sacrifices, because often insurers require that first the old debts must be paid or at least get involved in installment payments. Furthermore, usually only basic tariffs are offered, which adhere to the minimum legal requirements, but do not include higher protection. The good thing is that the amounts of such insurances are not very high.

That is why they are affordable for people whose financial resources are limited. However, these premiums usually have to be paid in advance, because no insurer wants to run the risk of having to suffer financial losses. This can be done by bank transfer or direct debit. A payment by invoice at a later date is not offered, because the insurers must assume that this is not paid on time or not at all. Nevertheless, it is possible to get an eVB number despite Schufa entry.

Search the Internet for car insurance despite insurance debts

On the Internet there are various comparison calculators, with which it is possible to get a car insurance despite insurance debts. The positive side effect is that the policyholder can still choose the cheapest rate, even though he has debts to an insurance company. To increase the chances of getting a car insurance despite insurance debts, the vehicle owner should greatly limit the number of drivers, otherwise the premium can immediately shoot up. Another way to get car insurance despite insurance debts is to have it taken out through a family member or friend. The scope of the insurance should be kept as small as possible. Instead of fully comprehensive and partially comprehensive, only third party liability should be selected, which ensures the minimum level of insurance coverage. If the policyholder offers an annual payment method in advance, he increases his chances of obtaining car insurance despite insurance debts.

Obtaining a car insurance is possible even with debts

If you want to take out a car insurance despite insurance debts, you should not immediately throw in the towel, but still try to take out one. However, he must be aware that he will have to forego certain benefits that other policyholders receive because they are debt-free. It is also possible that restrictions are made on the part of the insurance companies when it comes to the scope of insurance coverage. If, for example, a comprehensive cover has been requested, it can be replaced in by a simple liability cover. Similarly, the amounts of coverage are reduced to a minimum required by law. In addition, special conditions or other additional benefits are not even offered. These are benefits for cases that occur extremely rarely. Nevertheless, a motor vehicle insurance without Schufa and prepayment can be concluded in principle.

Can car insurance applications also be rejected completely?

There are cases when insurers reject applications for auto insurance anyway. This is the case when it is known that the potential policyholder is currently insolvent and is in no way able to pay insurance premiums for his vehicle. If he has taken the oath of disclosure, i.e. made an affidavit, as it used to be called, it may also be possible for the insurance application to be rejected. If a policyholder has already been rejected for any reason, they may also not receive the requested insurance at all. However, if none of the above aspects are present, the policyholder can hope to obtain car insurance despite insurance debts. It should be mentioned again that in Germany it is compulsory to be able to take out a car insurance policy. Insurers must also take this into account.

Conclusion about car insurance despite insurance debts

So anyone looking for car insurance despite insurance debt should take the above tips to heart and expect a slimmed-down form of coverage. Alternatively, it is also possible to ask a family member or friend to take out car insurance for the vehicle owner. Savings potential offer comparison calculators on the Internet, of which there are several. Here the policyholder still has to settle for the minimum tariff, but he can choose the most favorable insurance contract. If he then still offers to pay the annual sum for the car insurance in advance, some insurance companies will not reject the application.

But there are also exceptions. Namely, when the potential policyholder has taken an oath of disclosure and is not solvent. Another reason for rejection of the application is the insolvency of a claimant. Then it becomes difficult for him. Vehicle owners in this situation should follow the tips in this article to eventually get a car insurance despite insurance debt.

Asian development bank ADB arranges $135 million in loans

Hanoi, 9. November 2022. To promote the production and use of electric city buses in Vietnam, the Vietnamese vehicle manufacturer "Vinfast" receives a climate loan of 135 million dollars from the Asian Development Bank (ADB). This is what the ADB as well as Vinfast have announced. The loan package is intended for the production of electric buses for mass transit, the development of a charging network and electric mobility campaigns in Vietnam.

climate loan to finance electric bus fleet in vietnam

Vingroup Group charging stations in Vietnam. Photo: Vinfast

Sustainable transportation solution to support environmental goals

"This project provides an effective, sustainable transport solution for Vietnam while helping the country meet its climate goals and supporting the growth of climate finance in the region," emphasized ADB Manager Suzanne Gaboury. "Private sector projects like this one with innovative partners like Vinfast are critical to helping countries decarbonize their economies."

View from one of the mostly overcrowded and outdated city buses to the throng of mopeds on the streets of Ho Chi Minh City. Photo: Heiko Weckbrodt

Mopeds en masse, old buses, more and more cars: transport sector emits 18% of greenhouse gases

Background: Vietnam's population is growing rapidly and may now have already passed the 100 million mark. Contrary to widespread stereotypes, however, all these people hardly cycle: rather, internal combustion mopeds are the most common means of transport, and the number of cars is also on the rise. And the bus fleets in the cities are mostly very outdated. On the other hand, the communist government in Hanoi has set itself the goal of making Vietnam emission-free by 2020. According to Vinfast, however, Vietnam's transport sector is currently responsible for 18% of annual greenhouse gas emissions. The country itself imports most of its vehicles, but since 2017 it has had its own first car manufacturer, Vinfast. Vinfast initially focused on internal combustion engines, but is now relying heavily on its new electric vehicles, especially for its sales offensive in the West. In addition to cars, the company's management also wants to boost the production of electric commercial vehicles such as buses – and the ADB loan is intended to help with this.

Spondylosis (Spondylosis deformans) is a disease of the spine, which is especially common in older dogs. It occurs mostly insidiously and is noticed only in the advanced stage.

Origin of the disease

Spondylosis is caused by degenerative changes (not inflammation) in the spine. It is a pathological change (calcification) in the spine, usually caused by wear and tear. Bony growths form in the form of beak formation, spur formation, marginal bulge formation and bone braces. In most cases, the deformities occur on the ventral (=abdominal) side of the vertebral body. The ossifications can occur in principle everywhere at the spinal column. However, the lumbar spine is most frequently affected.

Perhaps you are now wondering how these spine deformities develop?

The spine of the dog is very mobile in the neck and lumbar region. In comparison, the thoracic and sacral vertebrae tend to be stiff. Exactly these places, i.e. the transition from the cervical spine to the thoracic spine, from the thoracic spine to the lumbar spine and from the lumbar spine to the sacral spine, are the "weak points" of the dog's spine. This is where the pathological "remodeling processes" occur most frequently. The body makes sure that the "weak points" are stabilized and that the acting forces are damped by the bony growths.

Spondylosis is divided into four degrees. Grade 1 to grade 3 is painless and usually goes unnoticed. Only in grade 4, when the ends of the individual bony formations touch each other, acute, usually high-grade pain occurs. If the bone formations of the individual adjacent vertebrae connect with each other, the spinal column stiffens.

Symptoms of spondylosis

Many dogs live unnoticed with spondylosis for many years. Only in the advanced course most dogs show the following symptoms:

Reluctance to move, stiff gait
Stair climbing is refused
Reluctance to jump into the car
Sensitive to touch in the lumbar region, sometimes with aggressive defensive reactions
Pain
Pain when stretching the hind limbs
The tail hangs limply
Gnawing of the skin in the affected areas
Lameness of the hind limbs (unilateral or bilateral)
Urinary or fecal disorders

Treatment

Spondylosis cannot be cured. However, the course can be slowed down or the emergence can be counteracted preventively. In an acute phase with severe pain, the vet can help classically with a painkiller.

Also turn to a physiotherapy for dogs. This way you can support your dog in the best possible way. Treatments such as massage, heat therapy, manual therapy, underwater treadmill, acupuncture, passive and active exercise and laser therapy will relieve your dog's pain and strengthen his muscles. Some therapists also lend Tens or laser devices for a fee.

What you can do for your dog?

Line slippery floors with rugs, don't let your dog jump in the car or on the sofa, avoid games and sports with abrupt turns and stops, and make sure your dog doesn't pull on the leash.

Exercises to do at home that you can also use preventively.

You probably own a hot water bottle or a red light lamp. You can use these super to relax the muscles. Massage your dog. Almost all dogs love a gentle, relaxing massage. You can massage your dog with your hands or with a soft brush. If necessary, ask your animal physiotherapist to show you how to massage your dog.

With isometric exercises you can train your dog's muscles without moving them. By applying gentle pressure you can achieve this easily and effectively.

Active movement exercises not only have a good therapeutic effect. They are also incredibly fun for both dog and human. You do not need professional equipment for this. Simply use your household objects, such as brooms, mattresses and so on. or branches and what else the forest has to offer you. Have your dog run over the poles or stand with his forelimbs or all four limbs on a mattress or balance board.

Perform simple exercises that relax your dog's spine. Exercises in which your dog has to follow your hand with a treat are excellent for this purpose. This way you can set the pace and ensure that the movements are not carried out in a hectic manner. For example, a simple and popular exercise is the sit-to-stand exercise.
Make sure there is no slippery surface for the active movement exercises. Practice in small sessions and don't overload your dog.

Take advantage of the summer and go swimming with your dog. This builds up the muscles optimally and is strengthened. The stronger the musculature of your dog is, the better the spine is relieved.

Nutrition

Make sure that your dog is not overweight. Every gram too much puts additional strain on the musculoskeletal system. If necessary, get advice on how to reduce the weight of your dog. A tip from me: Look closely at the composition of your dog treats. Not infrequently sugar is hidden here, which easily leads to overweight.

Conclusion

You now know how insidiously spondylosis can develop. Therefore, pay close attention to the gait of your dog. The sooner you support your dog with simple measures, the longer he will be free of pain and can lead a happy dog life. Be patient, only by sticking to it for a long time you can achieve good success. Do not overload your dog. Small exercise sessions are the most effective. You will notice how much fun your dog has when he is allowed to work with you.