Handling the aftermath of a car accident

61 posts in this topic

You were lucky.My brother was driving down a main road on his brand new Motorbike.Not even 600 km on the clock.Bloke takes his right off way.Stops gets out and changes insurance deatails with my brother.Brother phones insurance company they get in touch with the bloke who says he knows nothing of it.Claiming my brother just stood there and threw his bike on its side.

No, always get the police involved if you are not at fault as it backs you up later on.

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Actually in my case, it was the witnesses who called the police. I have to say it was probably the best thing to happen that day. I went to the repair shop this morning and the fact that I had a police report helped in a big way for them to initiate the paperwork with the other person's insurance. BTW, the police was pretty nice and made the effort to speak english to us.

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Glad to hear it's all being sorted without any problems.

 

I've only ever had good experiences in Germany with car accidents (well at least as far as getting the money from the insurers is concerned). The only time there was a slight dely to one payment (someone ran into the back of me at a red traffic light - which left me hospitalised for 10 days) was because although the police came, they didn't breathalyse me, and the other driver's insurers tried to get a split of the damages on the basis that (according to them) I might have been drink driving.

 

Which was particularly annoying, given that the accident happened when I was on my way to work in the morning, and I was 5 months pregnant at the time, so I hadn't been drinking for months.

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A brief word to provide some closure on this post, today I got my car back, fully repaired and paid for by the other person's insurance company (HUK Coburg). I want to mention the insurance company was very professional and cooperative, same goes for Toyota of Düsseldorf and its repair shop.

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So today the police rings my door and asks me to come down to check on my car. It was a very suspenseful one-and-a-half block walk to the car. The policewoman escorting me only tells me that there was an accident, but would not say more. I get to the car, and the other policeman tells me that the lady that was standing next to him clipped the corner of the rear bumper while parking in. The resulting scratch is about the size of a hand. The lady had taken all responsibility for the accident (as I was perfectly well parked). We exchange contact info, the cop hands me the police report, we all shake hands and leave.

 

Shit happens.

 

This was, however, the first time this shit happens to me in Germany, so I had no idea what to do.

 

I call my insurance broker, and he says I have 3 options:

 

 

  1. Take the car to a body repair shop, take the police report, and let them handle everything from beginning to end.
  2. Call the lady's insurance company and ask for a settlement (i.e. leave scratch as is, get money from her insurance company)
  3. (I don't remember this one as I was really inclined towards option 1)

 

Even though I am 90% for option 1, has anyone gone for the settlement? The car in question is an old Merc W210 E-Class. I am guessing that having the MB Werkstatt repaint the bumper won't exactly be cheap, so I could get some badly needed money out of this unfortunate situation. Any suggestions/experiences?

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Are you planning on selling the car later and getting a fair penny out of it, or driving it until it falls apart? From your description of the car I'd guess the latter, in which case I'd say thanks for the scratch and take the money.

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To go for the second option you usually need a damage report from an independent assesor (Gutachter) who will photograph it and calculate the full repair cost. You send this report to her insurer with the police report and make a claim (including the cost of having the report done). They settle and you can arrange the repair or not. For an old car it may be worth having the money and leaving the scratch.

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Well it depends. I haven't found the insurances straight forward when it comes to paying the money. Even in the simple case above, the poster might have to get a lawyer to get a decent amount of money from the insurance of the other driver.

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A decent amount of money for a scratch on a bumper? I can tell you from experience that without any questioning an insurance company recently paid €700 for such a scratch on a beaten up old Renault (worth in total about €1800) without any question. The scratch conveniently matched an existing scratch on the other side, and there was no compulsion to repair it. The money made a nice Christmas. Unfortunately not for me.

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If the damage is under €1500 all you need is a Kostenvorschlag.Get one from your local Mercedes dealer.If you accept the compensation then you will not get the 19% VAT paid and you will also not get the €25 a day that you are entitled to for not having the car on the days it gets repaired.Went through all this in the last 4 months albeit through a lawyer.Bought a scratch repair kit from Alids for € 6.Polished the light scratches out and you cannot see much now.Accepted the € 704 that the work would have cost bobs your uncle quids in

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Just came back from the MB dealership. Got the Kostenvorschlag and the damages would be repaired for a bit over 700€ (MwSt not included). The damn piece of paper cost 10% of the total repair costs, so I paid about 90€ for it. They said repairs would take 3 days and they would give me a car in the meantime.

 

I am still undecided as to what to do, but I am more inclined now to take the money and run. Will sleep on it tonight.

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Ok but you want the 10% back off the insurance from the person that caused the accident.The insurance will more than likely accept this as they will pay a lot more 19% more if you do get it repaired.

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An update on the situation...

 

We sent the Kostenvoranschlag with a nice letter typed by our German uncle (who happened to be in the insurance business before retiring), asking for the reparation costs, the cost of the KVA and a Pauschale that is supposed to cover the costs of the whole ordeal (driving around, phone calls, etc., 25€).

 

Today we get the letter in the mail saying they would cover the entire amount, except for the 19% MwSt on the reparations (which they would only pay once we send them the receipt from the garage after repairing the car, a.k.a. never).

 

@Mik Dickinson: we were told by our Allianz Makler and by our uncle that not every company will pay for the KVA, and we were mentally prepared for that. We got lucky this time, I guess.

 

If anyone ever needs the template for the letter in German looking to get compensated by damages as per KVA, send me an IM.

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Under €1000 it's simply not worth the insurance company making a fuss. It would have cost them €500-700 alone to get a formal independent valuation.

 

 

You may well be pleasantly surprised by how much money you will actually receive.

 

 

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A few weeks ago a guy smashed in the my car that was parked. In fairness to them they called the cops etc.and when I got back to my wrecked car the was a police report and a letter from him saying sorry. All is good.

 

Brought the car to the garage and it turns out it's basically a write off and their insurance sorted a rental car.

 

This happened 14 days ago and last week I told the other party's insurance to pay out the money and all was okay. Really nice staff and good service.

 

Then today I rang them for an update and was told that they were awaiting the police report and the report of the insuranceholder and that they only had to suply a rental for 14 days which is today. Rude person on the phone.

 

I rand the police, no luck. Rang the insuranceholder, he said that his report was sent in the day after the accident. Rang this biatch back in the insurance and all I got was lip.

 

Basically I don't really care about reports and I don't really mind how long the claim takes if I have a rental but from tomorrow they're not paying for the rental car even though the accident was nothing to do with me and I have no paperwork to provide.

 

Can they do this??

What shoulld I do now??

 

Cheers for comments.

 

[adminmerge][/adminmerge]

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How long do you expect the insurance to pay you a rental car?

 

2 weeks is pretty usual, the time it takes to find another car in about the same condition and about the same price as your wrecked one.

 

Insurances tend to delay the payment, of course, plus tend to pay not all you are entitled to. Go and see a lawyer, Verkehrrecht. The insurance has to pay for him, not you.

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I expect them to pay for the rental car until the claim is settled. There was no fault of mine and it's the resposibility of the insurance to make sure that I am in no disadvantage.

 

I am not holding the claim up in any way here.

 

Is it my own insurance or the third party's insurance that pays for a solicitor. What do I do, just ring a solicitor or do I have to inform them that I want them to pay for a solicitor???

 

Thanks for the reply.

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