“Know Your Rights: A Guide to Car Insurance Claims Settlement After an Accident”

When it comes to claims settlement, car insurance policies are becoming ever smaller and bulkier. Therefore, it is good to know what rights you have as a victim after an accident against the car insurance and what costs they have to cover.

Die towing costs must be covered by insurance. As a rule, from the injured party not requireddifferent to compare prices. After all, hurry is usually required after an accident. Is the home workshopin which the car has always been, up to 120 kilometers far away, he may be brought there.

Often are free workshops cheaper than brand workshops. However, insurers have to pay the costs for a branded workshop if the vehicle is not older than three years or if the injured party’s car has always been taken to a branded workshop for repairs and maintenance.
If the insurer requires one free workshopthis must not go further than 20 Kilometer be distant.

Find one own appraiserbecause if the other side proposes an expert, his is independence not guaranteed. are you not to blame for the accidentthe appraiser must be paid by the opposing insurerunless it is a minor damage under 1,000 euros.

exceed the repair costs the value of the vehicle by 130 percentone speaks of one economic total loss and the insurance does not have to pay for the repair. In this case, the damage report replacement cost reported, which are to be replaced by the insurance company. One of these will residual value deducted. At a economic total loss also include those Deregistration and registration costs for a replacement vehicle for the damage. When determining the residual value, insurers regularly try to set it higher than stated in the report by submitting offers from residual value exchanges. Often, however, these offers cannot be taken into account because they do not correspond to local custom, for example.

Requires the auto repair shop for the created Cost estimate money, this must be paid for by the insurer.

Can accident victims demonstrate that they dependent on a vehicle are, for example, to drive to work, the insurance company must cover the costs for you rental car substitute. In principle, a car may be rented that corresponds to the vehicle involved in the accident equivalent is.

The injured party is free to have the vehicle repaired or not, or to repair the vehicle themselves. Because of Schadensguchtens can even without repair regulation is required. However, there are disadvantages here: Value added tax, transport costs and compensation for loss of use are regularly not reimbursed here. Nevertheless, it can be worthwhile for injured parties in individual cases. Insurers are increasingly attempting to suppress the damage assessment by the expert by obtaining counter-assessments. There is definitely some leeway in the assessment.

Unless the damage is minor, calling in is one Definitely recommend a lawyer. After all, hardly a layman can understand the increasingly complicated damage law. This also applies in some cases to simple traffic accidents, because numerous insurers only make partial adjustments and refer to counter-opinions. If you are not responsible for the accident, The insurance company of the person who caused the accident must pay the lawyer’s fees.

Good luck with the tips from Markus Saller and “Wir in Bayern”!