Learn Hardcore German: Meine Versicherung schickt mir eine neue Karte.

Because the recipient of something in German is typically in the dative case. Many “giving/sending/showing” verbs take a dative indirect object (the recipient) and an accusative direct object (the thing):

jemandem (DAT) etwas (ACC) schicken So: mir (to me, dative) and eine neue Karte (a new card, accusative). mich is accusative and would be wrong here.

What case is eine neue Karte?

Accusative singular. It’s the direct object (the thing being sent). Karte is feminine (die Karte), and accusative feminine with an indefinite article is eine; the adjective has the weak ending: neue.

Why is it Meine Versicherung and not Meiner Versicherung?

The subject is in the nominative case. Versicherung is feminine, nominative singular with the pronoun stem mein- gives meine. meiner would be dative or genitive feminine (e.g., “mit meiner Versicherung,” “wegen meiner Versicherung”), which doesn’t fit here.

Why is the verb schickt in second position?

German main clauses follow the verb-second (V2) rule. The first “slot” is filled by one constituent (Meine Versicherung), and the conjugated verb (schickt) must come next, regardless of what follows.

Can the present tense here also mean “will send”?

Yes. German often uses the present for near-future actions when the context makes the timing clear. You can also use the explicit future:

Meine Versicherung wird mir eine neue Karte schicken.

Why does mir come before eine neue Karte?

Two reasons:

Pronouns usually come before full noun phrases.
With one dative and one accusative object, the dative often precedes the accusative when the accusative is a full noun. Hence: … schickt mir eine neue Karte.
“… schickt eine neue Karte mir” sounds marked or odd unless you’re emphasizing mir contrastively.

Does meine Versicherung mean my insurance company or my policy?

In everyday German, meine Versicherung commonly means “my insurance company” (or “my insurer”). If you specifically mean health insurance in Germany, you’ll often hear meine Krankenkasse for statutory health insurers.

What’s the difference between schicken, senden, zuschicken, and verschicken?

schicken: neutral, everyday “send.”
senden: a bit more formal/technical; also used for broadcasting.
zuschicken/zusenden: “send to (someone)” with a focus on the recipient; often with the separable prefix in main clauses: “Sie schickt mir die Karte zu.”
verschicken: “send off” (focus on the act of dispatching; usually no explicit recipient in dative).

How would I make this passive?

Two common options:

Recipient-focused: Mir wird eine neue Karte geschickt.
Theme-focused (with optional agent): Eine neue Karte wird mir (von meiner Versicherung) geschickt. Note that the dative recipient (mir) stays dative in the passive.

How do I negate this sentence?

Use keine with the noun:

Meine Versicherung schickt mir keine neue Karte. (not sending me any new card) Use nicht only for special contrasts:
Meine Versicherung schickt mir nicht eine neue Karte, sondern zwei.

Why is it neue and not neu or neuen?

Attributive adjectives take endings. After the ein-word eine (which already shows case/gender/number for feminine accusative), the adjective takes the weak ending -e:

eine neue Karte (ACC fem) neuen would be masculine accusative or plural dative in other contexts, not correct here.

Can I use an mich or zu mir instead of mir?

mir (dative) is the most idiomatic when the recipient is a person: “Schick mir die Karte.”
an mich (+ ACC) is used when specifying an address or addressee: “Schick die Karte an mich/ an meine Adresse.”
zu mir is more natural for sending/bringing a person to you: “Schick ihn zu mir.” For things, an mich or the dative mir is preferred.

How would I say this with “get/receive” instead of “send”?

Switch the perspective:

Ich bekomme/erhalte (von meiner Versicherung) eine neue Karte.
Colloquial: Ich kriege …
Adding von marks the source/agent.

What happens if I start with Mir?

You can front the dative for emphasis or topic:

Mir schickt meine Versicherung eine neue Karte. The finite verb remains in second position; the subject moves after the verb.

How does this look in a subordinate clause?

The conjugated verb goes to the end:

…, weil meine Versicherung mir eine neue Karte schickt. Object order inside the clause stays the same (dative pronoun before the accusative noun).

How do the pronouns work if I replace both nouns?

When both objects are pronouns, the usual order is accusative before dative:

Sie schickt sie mir. (= She sends it to me; both refer to feminine singular antecedents: subject “sie” = the insurance; object “sie” = the card) “Sie schickt mir sie” is possible but less common unless you’re stressing mir.

How do I pronounce schickt?

[ʃɪkt]. Tips:

sch = [ʃ] like “sh” in “ship.”
Short i = [ɪ] like the vowel in “sit.”
ck = [k]. There is no separate “ch” sound here; it’s “sch” + “ick(t).”