Does a mobile mechanic do real repairs?
Claims accounting - repair or money
You have two options for billing your repairable accident damage:
You can have your vehicle professionally repaired in a specialist workshop in accordance with a cost estimate or expert report. The repair cost calculation prepared by the workshop takes over the insurance, if you have commissioned them to do so.
Alternatively, you can also fictitiously settle your accident damage according to an expert report or cost estimate (i.e. against monetary compensation). In this case, however, you will only be reimbursed for the calculated net value of the repair (excluding VAT). VAT will only be reimbursed if it is proven by an invoice, for example when purchasing spare parts
Workshop repair order
Your vehicle will be taken to a specialist garage you trust to have the damage repaired. Always remember that the person who places the repair order is also responsible for paying the repair invoice. It does not matter whether there is a claim against the person who caused the accident or their liability insurance or against their own comprehensive insurance.
But: There is the possibility of the insurer assuming the repair costs with assignment of security. To do this, as the injured party, you instruct the insurance company to pay the repair costs directly to the workshop by signing a form available in the workshop. If the insurance company declares that it will pay for the repair costs in full, the workshop can safely repair the vehicle without you as the customer having to present it. However, if the insurance company only declares a lower liability quota, for example due to an unclear question of guilt, then you as the customer must repair the vehicle when you pick up the
set vehicle pay the difference in the invoice amount to the workshop.
In many cases, the assignment of security has also proven to be the right way to quickly settle claims. In the case of assignment declarations, you assign claims for compensation from the vehicle damage to the workshop on account of performance.
If you have to bear a deductible for the comprehensive damage, the workshop will charge you directly for the deductible from the assigned damage.
Before placing the workshop order, get clarified whether and to what extent the insurance will cover the repair costs.
As the owner of a leased vehicle, it is your duty to immediately contact the owner of your vehicle (e.g. leasing company) in the event of damage about the accident settlement and the repair order. Many leasing contracts contain the clause that repairs to the vehicle involved in the accident may only be carried out in a "manufacturer-approved company". If in doubt, your bodywork specialist will contact the owner, e. B. the leasing company to clarify the handling of the accident repair. However, in your own interest, you should inform the workshop that it is a leasing vehicle.
Cost of accident damage
In connection with an accident, the injured party incurs a number of other costs in addition to the “pure” workshop costs. The following list shows which costs can arise and which costs are covered by the insurance. In addition to the workshop costs, these are:
Towing costs are to be reimbursed by the cause of the accident or his insurance. However, problems can arise with regard to the towed route. According to the case law, the injured party does not have to have his vehicle towed to any nearest workshop, but is entitled to reimbursement of the towing costs to a reliable, technically suitable and spatially nearby workshop of his choice. Towing costs are covered by the insurer for both liability and comprehensive damage.
Rental car costs
The opposing liability insurance also covers the costs for a rental vehicle during the repair period, but only within the limits of what is necessary, whereby the injured party is obliged to reduce the damage. As the injured party, you must also ensure that the rental car is not offered to you at an excessive "accident rate". Otherwise, trouble is bound to happen. In the case of comprehensive damage, rental car costs are not covered by the insurance, but many workshops provide a replacement vehicle free of charge.
Loss of use
Should you be able to forego the use of your vehicle for the duration of the repair, for example because you have a "second vehicle" available, then the compensation for loss of use is "cash" for you, a real alternative to renting a rental car. The so-called loss of use is paid by the insurance company for the duration of a normal repair or a reasonable time for the replacement of a vehicle. The amount of the compensation payment is based on the tables. Loss of use does not exist in comprehensive damage.
Costs for expert reports
A motor vehicle expert is entitled to prepare reports. The use of an expert serves, among other things. to determine the extent and amount of damage, replacement and residual value as well as any depreciation (mercantile reduction in value) and, if necessary, to secure evidence on your vehicle. The costs incurred for this, including the preparation of a corresponding report, are to be borne by the injuring party or his insurance company; but not, as already mentioned, in the case of minor damage. Important: In the event of a liability claim, you as the injured party decide which expert of your choice you want to consult. In the case of comprehensive damage, however, the insurance company always decides whether it wants to hire a motor vehicle expert.
Borrowing and Financing Costs
Under certain conditions, the financing costs incurred for repairs will also be reimbursed. This can be the case if your financial situation does not allow you to pre-finance the costs you will incur out of pocket. This only applies to liability claims.
The attorney fees incurred for the settlement of justified (liability) compensation claims must be reimbursed. You should always consult a lawyer if there is a dispute regarding the question of guilt, personal injury has occurred or the insurance company causes "difficulties". However, there is always a litigation risk in comprehensive damage.
Deduction "new for old"
In certain cases, insurance companies can make “new for old” deductions. You then have to pay these deductions to your repair workshop yourself. The term “new for old” means that the replacement of damaged parts or assemblies and the installation of new parts result in an improvement in the utility value of the vehicle. The amount of the “new for old” deduction is to be determined by an expert.
Glass damage / game damage
Your partially comprehensive insurance applies in the event of damage to glass or game, as well as fire, explosion, storm or theft.
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