Classification into the systems concerned

The classification into a foreign insurance system always depends on the extent to which years driven and discounts awarded in one’s own country are transferrable. Depending on complexity and compatibility of the system and also responsiveness of the insurance companies, a classification based on previous no-claim discounts can be obtained generally. In the following paragraph, you will learn how US citizens are classified in Germany and vice versa.

Classification for Germans who become US-citizens in the USA

If one decides to immigrate to the USA and finally, become a US citizen, one should know that where motor vehicle insurance is concerned, there is no obligation for US insurance companies to adopt no-claim discounts awarded in Germany. Often, insurers in the USA are not familiar with the German system. This is why, before moving, it is useful to find US insurance companies represented in Germany, since their brokers will be most likely to be familiar with the German insurance system. Depending on goodwill and knowledge of the insurants it might be possible to transfer previous discounts partly or even fully.

Classification for US citizens who become Germans in Germany

Also for US citizens who wish to adopt the German citizenship, there is no guarantee that years driven safely in the US and consequent discounts have to be adopted by German insurance companies. German insurants do not always know the US motor vehicle insurance system. A confirmation from the previous insurants can be very helpful and can, provided the insurants are accommodation enough, contribute to German insurance companies taking into account years driven safely as US-citizen.