In this section you will find answers to many questions that may arise in connection with an accident report, your expert or your vehicle. If you have any further questions on any of the topics, do not hesitate to contact us – because that is exactly what we are here for!
How do I behave in the event of an accident?
The most important thing after a car accident is first to determine whether someone is injured. If so, you should first call an ambulance and then the police. Then secure the accident site properly. You should also switch on the hazard warning lights.
Should I see a doctor after an accident and if so, which one?
Even those who are only slightly injured should go to the doctor on the same day at the latest and have their incapacity for work certified. This also applies to self-employed and freelancers. Because the duration of the inability to work has influence on the level of compensation for pain and suffering.
How much does insurance cover after a car accident?
It is not possible to say in general terms what form the upgrading by the insurance company will take after an accident, as this situation is not regulated uniformly. All insurance companies can decide for themselves which conditions apply.
In principle, however, it can be said that the level of costs is not the decisive factor for the claims to be settled. For example, several small reported losses within a calendar year lead to a more serious upgrade of a car insurance policy after an accident than if there has been a single major crash.
In addition, in the case of a motor vehicle liability claim, the upgrade after an accident is usually lower than in the case of fully comprehensive insurance. It should also be noted that cheaper motor vehicle insurance often upgrades faster.
What does the insurance pay in the event of an accident?
As soon as you are not to blame for the accident, the opposing insurance company is obliged to bear the following costs:
• Proper and professional repair
• Rental car (or loss of use)
• Determination of depreciation
• Compensation for pain and suffering
• Towing costs
• Compensation for equipment & luggage
• Determination of the best possible residual value
• Replacement value in the event of total loss
What to do in a car accident?
The most important thing after a car accident is first to determine whether someone is injured. If so, you should first call an ambulance and then the police. Then secure the accident site properly. You should also switch on the hazard warning lights.
After the accident – to the expert or to the workshop for the cost estimate?
An accident report or damage report is the safest and best way to get the opposing party's liability insurance to settle the claim or accident.
In his expert opinion, the expert determines the extent and amount of the damage, identifies old damage, transport costs and, if applicable, the replacement value and serves as an elementary means of preserving evidence. The cost estimate, on the other hand, only specifies the estimated repair costs.
Who’s to blame for the accident?
Often in an accident the question of guilt is not as easy to clarify as it seems at first glance. Many unexpected factors can play a role.
What does a motor vehicle appraiser do?
In his expert opinion, the expert determines the extent and amount of the damage, identifies old damage, transport costs and, if applicable, the replacement value and serves as an elementary means of preserving evidence.
What does a motor vehicle appraiser do?
In his expert opinion, the expert determines the extent and amount of the damage, identifies old damage, transport costs and, if applicable, the replacement value and serves as an elementary means of preserving evidence.
Car accident – who has to pay?
The causer of the accident is obliged to compensate the injured party for the damage in accordance with § 249 BGB (German Civil Code). All costs incurred must be reimbursed:
Repair costs, rental car costs, compensation for loss of use, lump-sum accident costs, depreciation, lawyer's fees.
When is a valuer useful after a car accident?
After an accident, the injured party may commission a motor vehicle expert to determine the damage.
The only question is whether the other party to the accident or the other party's insurance company has to bear the costs of the expert opinion. In the case of minor damage (limit approx. 700€ to 800€) it is not necessary to prepare a damage report. In such a case, the injured party must have a cost estimate drawn up and the costs of an expert opinion are not covered.
However, a cost estimate does not make any statement about the compensation for loss of use. Also, the cost estimate does not say anything about the depreciation. The actual extent of the claims settlement therefore only results from the expert opinion of the expert office. In a liability claim, the injured party must be placed in the same position as if the accident had not occurred.
