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Die Schufa-Einträge zur Insolvenz werden nach",["$","strong",null,{"children":" 3 Jahren"}]," gelöscht. Bis dahin kann es noch zu Einschränkungen bei Kasko-Versicherungen kommen – die Haftpflicht bleibt wie immer garantiert."]}],["$","div",null,{"className":"mt-3","children":["$","$L5",null,{"href":"/schufa-score-verbessern","className":"text-orange font-semibold text-sm hover:text-orange-dark transition-colors inline-flex items-center gap-1","children":["Tipps: Schufa-Score gezielt verbessern",["$","svg",null,{"className":"w-4 h-4","fill":"none","stroke":"currentColor","viewBox":"0 0 24 24","children":["$","path",null,{"strokeLinecap":"round","strokeLinejoin":"round","strokeWidth":2,"d":"M9 5l7 7-7 7"}]}]]}]}]]}]]}]}]]}]]}]}],["$","section",null,{"className":"py-14 bg-white","children":["$","div",null,{"className":"max-w-4xl mx-auto px-4","children":[["$","h2",null,{"className":"text-2xl md:text-3xl font-bold text-navy mb-8 text-center","children":"Sonderregeln während der Wohlverhaltensphase"}],["$","div",null,{"className":"grid grid-cols-1 md:grid-cols-2 gap-6","children":[["$","div",null,{"className":"bg-offwhite rounded-xl p-6 border border-gray-light","children":[["$","div",null,{"className":"w-10 h-10 bg-green/10 rounded-full flex items-center justify-center mb-3","children":["$","svg",null,{"className":"w-5 h-5 text-green","fill":"none","stroke":"currentColor","viewBox":"0 0 24 24","children":["$","path",null,{"strokeLinecap":"round","strokeLinejoin":"round","strokeWidth":2.5,"d":"M5 13l4 4L19 7"}]}]}],["$","h3",null,{"className":"font-bold text-navy mb-2","children":"Auto behalten erlaubt"}],["$","p",null,{"className":"text-sm text-anthrazit leading-relaxed","children":["Ein angemessenes Fahrzeug darfst du behalten, wenn es für den ",["$","strong",null,{"children":"Arbeitsweg oder die Berufsausübung"}]," notwendig ist. Als Richtwert gilt ein Fahrzeugwert von ca. ",["$","strong",null,{"children":"5.000–7.500 €"}],"."]}]]}],["$","div",null,{"className":"bg-offwhite rounded-xl p-6 border border-gray-light","children":[["$","div",null,{"className":"w-10 h-10 bg-green/10 rounded-full flex items-center justify-center mb-3","children":["$","svg",null,{"className":"w-5 h-5 text-green","fill":"none","stroke":"currentColor","viewBox":"0 0 24 24","children":["$","path",null,{"strokeLinecap":"round","strokeLinejoin":"round","strokeWidth":2.5,"d":"M5 13l4 4L19 7"}]}]}],["$","h3",null,{"className":"font-bold text-navy mb-2","children":"Versicherung ist Pflichtausgabe"}],["$","p",null,{"className":"text-sm text-anthrazit leading-relaxed","children":["Die KFZ-Haftpflicht ist ",["$","strong",null,{"children":"gesetzlich vorgeschrieben"}]," und damit eine notwendige Ausgabe. Der Treuhänder kann dir den Abschluss nicht verbieten."]}]]}],["$","div",null,{"className":"bg-offwhite rounded-xl p-6 border border-gray-light","children":[["$","div",null,{"className":"w-10 h-10 bg-orange/10 rounded-full flex items-center justify-center mb-3","children":["$","svg",null,{"className":"w-5 h-5 text-orange","fill":"none","stroke":"currentColor","viewBox":"0 0 24 24","children":["$","path",null,{"strokeLinecap":"round","strokeLinejoin":"round","strokeWidth":2,"d":"M12 9v2m0 4h.01m-6.938 4h13.856c1.54 0 2.502-1.667 1.732-2.5L13.732 4c-.77-.833-1.964-.833-2.732 0L4.082 16.5c-.77.833.192 2.5 1.732 2.5z"}]}]}],["$","h3",null,{"className":"font-bold text-navy mb-2","children":"Keine neuen Schulden"}],["$","p",null,{"className":"text-sm text-anthrazit leading-relaxed","children":["Pünktliche Prämienzahlung ist ",["$","strong",null,{"children":"elementar wichtig"}],". Neue Schulden können die Restschuldbefreiung",["$","strong",null,{"children":" gefährden"}],". Wähle einen Tarif, den du sicher bezahlen kannst."]}]]}],["$","div",null,{"className":"bg-offwhite rounded-xl p-6 border border-gray-light","children":[["$","div",null,{"className":"w-10 h-10 bg-orange/10 rounded-full flex items-center justify-center mb-3","children":["$","svg",null,{"className":"w-5 h-5 text-orange","fill":"none","stroke":"currentColor","viewBox":"0 0 24 24","children":["$","path",null,{"strokeLinecap":"round","strokeLinejoin":"round","strokeWidth":2,"d":"M12 9v2m0 4h.01m-6.938 4h13.856c1.54 0 2.502-1.667 1.732-2.5L13.732 4c-.77-.833-1.964-.833-2.732 0L4.082 16.5c-.77.833.192 2.5 1.732 2.5z"}]}]}],["$","h3",null,{"className":"font-bold text-navy mb-2","children":"Kein Luxus-Fahrzeug"}],["$","p",null,{"className":"text-sm text-anthrazit leading-relaxed","children":["Ein teures Auto kann als ",["$","strong",null,{"children":"unangemessener Luxus"}]," gewertet werden. Halte dich an ein Fahrzeug der unteren bis mittleren Preisklasse – das vermeidet Probleme mit dem Treuhänder."]}]]}]]}]]}]}],["$","section",null,{"className":"py-14","children":["$","div",null,{"className":"max-w-4xl mx-auto px-4","children":[["$","h2",null,{"className":"text-2xl md:text-3xl font-bold text-navy mb-10 text-center","children":"7 Tipps für die günstigste Versicherung in der Insolvenz"}],["$","div",null,{"className":"space-y-6","children":[["$","div","0",{"className":"flex gap-5","children":[["$","div",null,{"className":"flex-shrink-0 w-10 h-10 bg-navy rounded-full flex items-center justify-center text-white font-bold text-sm","children":1}],["$","div",null,{"className":"flex-1 pt-0.5","children":[["$","h3",null,{"className":"font-bold text-navy mb-1","children":"Reine Haftpflicht wählen"}],["$","p",null,{"className":"text-anthrazit leading-relaxed","children":"Verzichte auf Kasko und spare erheblich. Bei älteren Fahrzeugen ist der Haftpflicht-Basisschutz oft die wirtschaftlich beste Lösung."}],["$","div",null,{"className":"mt-2","children":["$","$L5",null,{"href":"/kfz-haftpflicht-basisschutz","className":"text-orange font-semibold text-sm hover:text-orange-dark transition-colors inline-flex items-center gap-1","children":["Mehr zum Basisschutz",["$","svg",null,{"className":"w-4 h-4","fill":"none","stroke":"currentColor","viewBox":"0 0 24 24","children":["$","path",null,{"strokeLinecap":"round","strokeLinejoin":"round","strokeWidth":2,"d":"M9 5l7 7-7 7"}]}]]}]}]]}]]}],["$","div","1",{"className":"flex gap-5","children":[["$","div",null,{"className":"flex-shrink-0 w-10 h-10 bg-navy rounded-full flex items-center justify-center text-white font-bold text-sm","children":2}],["$","div",null,{"className":"flex-1 pt-0.5","children":[["$","h3",null,{"className":"font-bold text-navy mb-1","children":"Jährliche Zahlung bevorzugen"}],["$","p",null,{"className":"text-anthrazit leading-relaxed","children":"Jährliche Zahlung ist bis zu 10 % günstiger als monatliche Raten. Falls das Budget es erlaubt, lohnt sich die Einmalzahlung."}],["$","div",null,{"className":"mt-2","children":["$","$L5",null,{"href":"/kfz-versicherung-monatlich-zahlen","className":"text-orange font-semibold text-sm hover:text-orange-dark transition-colors inline-flex items-center gap-1","children":["Ratenzahlung im Detail",["$","svg",null,{"className":"w-4 h-4","fill":"none","stroke":"currentColor","viewBox":"0 0 24 24","children":["$","path",null,{"strokeLinecap":"round","strokeLinejoin":"round","strokeWidth":2,"d":"M9 5l7 7-7 7"}]}]]}]}]]}]]}],["$","div","2",{"className":"flex gap-5","children":[["$","div",null,{"className":"flex-shrink-0 w-10 h-10 bg-navy rounded-full flex items-center justify-center text-white font-bold text-sm","children":3}],["$","div",null,{"className":"flex-1 pt-0.5","children":[["$","h3",null,{"className":"font-bold text-navy mb-1","children":"Vergleichsrechner nutzen"}],["$","p",null,{"className":"text-anthrazit leading-relaxed","children":"Die Preisunterschiede zwischen Versicherern sind enorm – gerade bei schwieriger Bonität. Ein Vergleich kann mehrere hundert Euro pro Jahr sparen."}],"$undefined"]}]]}],["$","div","3",{"className":"flex gap-5","children":[["$","div",null,{"className":"flex-shrink-0 w-10 h-10 bg-navy rounded-full flex items-center justify-center text-white font-bold text-sm","children":4}],["$","div",null,{"className":"flex-1 pt-0.5","children":[["$","h3",null,{"className":"font-bold text-navy mb-1","children":"Hohe Selbstbeteiligung wählen"}],["$","p",null,{"className":"text-anthrazit leading-relaxed","children":"Falls du doch eine Kasko bekommst: Eine Selbstbeteiligung von 500 € oder mehr senkt die Prämie spürbar."}],"$undefined"]}]]}],["$","div","4",{"className":"flex gap-5","children":[["$","div",null,{"className":"flex-shrink-0 w-10 h-10 bg-navy rounded-full flex items-center justify-center text-white font-bold text-sm","children":5}],["$","div",null,{"className":"flex-1 pt-0.5","children":[["$","h3",null,{"className":"font-bold text-navy mb-1","children":"SF-Klasse von Angehörigen übernehmen"}],["$","p",null,{"className":"text-anthrazit leading-relaxed","children":"Ehepartner oder Eltern können ihre Schadenfreiheitsklasse übertragen. 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Besprich das vorher mit deinem Treuhänder."}],"$undefined"]}]]}]]}]]}]}],["$","section",null,{"className":"pb-14","children":["$","div",null,{"className":"max-w-4xl mx-auto px-4","children":["$","div",null,{"className":"bg-navy rounded-xl p-6 md:p-8 text-white","children":["$","div",null,{"className":"flex items-start gap-4","children":[["$","svg",null,{"className":"w-8 h-8 text-orange flex-shrink-0 mt-1","fill":"none","stroke":"currentColor","viewBox":"0 0 24 24","children":["$","path",null,{"strokeLinecap":"round","strokeLinejoin":"round","strokeWidth":2,"d":"M12 9v2m0 4h.01m-6.938 4h13.856c1.54 0 2.502-1.667 1.732-2.5L13.732 4c-.77-.833-1.964-.833-2.732 0L4.082 16.5c-.77.833.192 2.5 1.732 2.5z"}]}],["$","div",null,{"children":[["$","h3",null,{"className":"font-bold text-lg mb-2","children":"Wichtig: Offene Versicherungsbeiträge"}],["$","p",null,{"className":"text-gray-light leading-relaxed mb-4","children":["Hast du beim früheren Versicherer noch ",["$","strong",null,{"className":"text-white","children":"offene Beiträge"}],"? Diese zählen als Insolvenzforderung und werden im Verfahren berücksichtigt. Du musst sie",["$","strong",null,{"className":"text-white","children":" nicht separat"}]," begleichen. Allerdings:"]}],["$","ul",null,{"className":"space-y-2","children":[["$","li",null,{"className":"flex items-start gap-2 text-gray-light","children":[["$","svg",null,{"className":"w-5 h-5 text-orange flex-shrink-0 mt-0.5","fill":"none","stroke":"currentColor","viewBox":"0 0 24 24","children":["$","path",null,{"strokeLinecap":"round","strokeLinejoin":"round","strokeWidth":2.5,"d":"M5 13l4 4L19 7"}]}],["$","span",null,{"children":["Neue Beiträge nach Insolvenzeröffnung sind ",["$","strong",null,{"className":"text-white","children":"Neuverbindlichkeiten"}]," – diese musst du zahlen"]}]]}],["$","li",null,{"className":"flex items-start gap-2 text-gray-light","children":[["$","svg",null,{"className":"w-5 h-5 text-orange flex-shrink-0 mt-0.5","fill":"none","stroke":"currentColor","viewBox":"0 0 24 24","children":["$","path",null,{"strokeLinecap":"round","strokeLinejoin":"round","strokeWidth":2.5,"d":"M5 13l4 4L19 7"}]}],["$","span",null,{"children":["Unbezahlte Neuverbindlichkeiten können die ",["$","strong",null,{"className":"text-white","children":"Restschuldbefreiung gefährden"}]]}]]}]]}]]}]]}]}]}]}],["$","section",null,{"className":"py-14 bg-white","children":["$","div",null,{"className":"max-w-4xl mx-auto px-4","children":[["$","h2",null,{"className":"text-2xl md:text-3xl font-bold text-navy mb-8 text-center","children":"Häufige Fragen zur KFZ-Versicherung bei Privatinsolvenz"}],["$","div",null,{"className":"space-y-4","children":[["$","details",null,{"className":"group bg-offwhite rounded-xl border border-gray-light","children":[["$","summary",null,{"className":"cursor-pointer p-5 font-medium text-anthrazit hover:text-navy transition-colors list-none flex items-start justify-between gap-3","children":["Darf ich während der Privatinsolvenz ein Auto besitzen?",["$","svg",null,{"className":"w-5 h-5 flex-shrink-0 mt-0.5 text-gray-medium group-open:rotate-180 transition-transform","fill":"none","stroke":"currentColor","viewBox":"0 0 24 24","children":["$","path",null,{"strokeLinecap":"round","strokeLinejoin":"round","strokeWidth":2,"d":"M19 9l-7 7-7-7"}]}]]}],["$","div",null,{"className":"px-5 pb-5 text-anthrazit-light leading-relaxed","children":[["$","strong",null,{"children":"Ja, unter bestimmten Voraussetzungen."}]," Wenn das Auto für deinen Arbeitsweg oder deine Berufsausübung notwendig ist, darfst du es behalten. Es muss allerdings",["$","strong",null,{"children":" angemessen"}]," sein – ein Fahrzeug mit einem Wert von ca. 5.000–7.500 € wird in der Regel akzeptiert."]}]]}],["$","details",null,{"className":"group bg-offwhite rounded-xl border border-gray-light","children":[["$","summary",null,{"className":"cursor-pointer p-5 font-medium text-anthrazit hover:text-navy transition-colors list-none flex items-start justify-between gap-3","children":["Kann der Insolvenzverwalter meine Versicherung kündigen?",["$","svg",null,{"className":"w-5 h-5 flex-shrink-0 mt-0.5 text-gray-medium group-open:rotate-180 transition-transform","fill":"none","stroke":"currentColor","viewBox":"0 0 24 24","children":["$","path",null,{"strokeLinecap":"round","strokeLinejoin":"round","strokeWidth":2,"d":"M19 9l-7 7-7-7"}]}]]}],["$","div",null,{"className":"px-5 pb-5 text-anthrazit-light leading-relaxed","children":["Der Insolvenzverwalter kann Verträge kündigen, die vor der Insolvenzeröffnung bestanden. In der ",["$","strong",null,{"children":"Wohlverhaltensphase"}]," hat er diese Befugnis jedoch nicht mehr. Verträge, die du",["$","strong",null,{"children":" nach"}]," Eröffnung abschließt, gehören nicht zur Insolvenzmasse."]}]]}],["$","details",null,{"className":"group bg-offwhite rounded-xl border border-gray-light","children":[["$","summary",null,{"className":"cursor-pointer p-5 font-medium text-anthrazit hover:text-navy transition-colors list-none flex items-start justify-between gap-3","children":["Bekomme ich trotz Privatinsolvenz eine eVB-Nummer?",["$","svg",null,{"className":"w-5 h-5 flex-shrink-0 mt-0.5 text-gray-medium group-open:rotate-180 transition-transform","fill":"none","stroke":"currentColor","viewBox":"0 0 24 24","children":["$","path",null,{"strokeLinecap":"round","strokeLinejoin":"round","strokeWidth":2,"d":"M19 9l-7 7-7-7"}]}]]}],["$","div",null,{"className":"px-5 pb-5 text-anthrazit-light leading-relaxed","children":[["$","strong",null,{"children":"Ja."}]," Die eVB-Nummer erhältst du automatisch nach Abschluss einer KFZ-Haftpflichtversicherung. 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Lies unsere ",["$","$L5",null,{"href":"/evb-nummer-sofort","className":"text-orange underline hover:text-orange-dark","children":"Schritt-für-Schritt Anleitung zur eVB-Nummer"}],"."]}]]}],["$","details",null,{"className":"group bg-offwhite rounded-xl border border-gray-light","children":[["$","summary",null,{"className":"cursor-pointer p-5 font-medium text-anthrazit hover:text-navy transition-colors list-none flex items-start justify-between gap-3","children":["Ist monatliche Zahlung während der Insolvenz möglich?",["$","svg",null,{"className":"w-5 h-5 flex-shrink-0 mt-0.5 text-gray-medium group-open:rotate-180 transition-transform","fill":"none","stroke":"currentColor","viewBox":"0 0 24 24","children":["$","path",null,{"strokeLinecap":"round","strokeLinejoin":"round","strokeWidth":2,"d":"M19 9l-7 7-7-7"}]}]]}],["$","div",null,{"className":"px-5 pb-5 text-anthrazit-light leading-relaxed","children":["Das hängt vom Versicherer ab. Manche Anbieter bieten bei schlechter Bonität nur ",["$","strong",null,{"children":"jährliche Zahlung"}]," an. Andere ermöglichen Ratenzahlung gegen einen Aufschlag. Vergleiche die Zahlungsoptionen im Vergleichsrechner."]}]]}],["$","details",null,{"className":"group bg-offwhite rounded-xl border border-gray-light","children":[["$","summary",null,{"className":"cursor-pointer p-5 font-medium text-anthrazit hover:text-navy transition-colors list-none flex items-start justify-between gap-3","children":["Wie lange wirkt sich die Insolvenz auf die Versicherung aus?",["$","svg",null,{"className":"w-5 h-5 flex-shrink-0 mt-0.5 text-gray-medium group-open:rotate-180 transition-transform","fill":"none","stroke":"currentColor","viewBox":"0 0 24 24","children":["$","path",null,{"strokeLinecap":"round","strokeLinejoin":"round","strokeWidth":2,"d":"M19 9l-7 7-7-7"}]}]]}],["$","div",null,{"className":"px-5 pb-5 text-anthrazit-light leading-relaxed","children":["Der Schufa-Eintrag zur Privatinsolvenz wird ",["$","strong",null,{"children":"3 Jahre nach Erteilung der Restschuldbefreiung"}]," gelöscht. 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