Volvo XC60 with accident damage at the rear
Volvo XC60 with rear damage€24,814.50 amount of damage including tax, with €4,500 diminished value (merkantiler Minderwert). This is the loss in value caused by the accident, even after repair. With the rear bumper cover removed, the rear body panel is deformed.

View 5.0 out of 5 stars on Google and 60+ reviews, from one of our reports (Gutachten)

Process

From the first call to claim settlement

Four steps. You take the first one. We take care of the rest.

1

Get in touch

Call us or message us on WhatsApp. We clarify the next steps with you and arrange an appointment, usually within 24 hours.

2

On-site inspection

We come to you, to the repair shop or to the place where the car is parked. The damage inspection takes 30 to 45 minutes for a typical damage.

3

Report and delivery

Usually within 24 hours after the inspection. We send the report to the people involved. We stay your contact person for questions.

4

Claim settlement

If the other driver is at fault, their liability insurance pays based on the report. You decide whether to use the money for a repair or to keep it.

From real cases

How we document damage

Three photos from real cases. The nice photo is not what counts. What counts is a clear link between marks, height and extent.

Independent vehicle expert documents contact marks on the front of a car with a measuring rod
Contact marks and impact height
Front damage on a small red car, damage inspection at the accident scene at night
Taken directly at the accident scene
Rear damage on a Tesla Model 3, affected area marked off in the report
Separating the damage area
  • Contact marks and impact heightContact marks are marked, and the impact height is documented with a measuring rod. Without this link, the insurer reduces the payment and points to prior damage (Vorschaden).
  • Taken directly at the accident scenePhotos are taken directly at the accident scene, also at night. If we record the condition early, there is less discussion later.
  • Separating the damage areaThe affected area is marked off. What does not belong to the accident does not appear in the repair cost calculation.
More situations

Not all damage comes from an accident.

We also handle these cases. Call us, and we clarify the scope and who pays the costs in advance.

Wildlife collision

Damage inspection with animal hair on the car, contact marks and impact height. The wildlife collision certificate comes from the police or the hunting leaseholder (Jagdpächter). Certificate: police or hunting leaseholder

Hail damage

Hail measurement and calculation following BVAT specifications. Where possible, we calculate paintless dent repair (pushing the dent out from behind). Calculation: following BVAT specifications

Marten damage

A marten is a small wild animal. It often bites cables and hoses in parked cars. We document the bite marks and the follow-up damage to cables, insulation and hoses. Documented: bite marks and follow-up damage

Repair confirmation

Visual check after the repair, with photo documentation. It is confirmed that the car is repaired and roadworthy. Confirmed: repaired and roadworthy

Evidence documentation

We record the condition and the damage pattern before marks are lost. Typical reasons are unclear liability or disputed prior damage. Typical reason: unclear liability

Separating new damage from earlier damage

We separate repaired prior damage from unrepaired old damage (Altschaden). Without this separation, the insurer regularly reduces the payment, see reasons for reductions. Separated: prior damage and old damage

Costs

Who pays for the report depends on the case.

24 hoursUsually the report is ready this long after the inspection,then the claim settlement (Regulierung) can begin
30 to 45 minutesThis is how long the inspection takes for typical damage,at your home, at the repair shop or where the car is parked
€750 damageFrom about this amount, the full report is the usual way.The limit depends on the amount of damage in each case.

Accident that was not your fault

For accidents that were not your fault, we bill the other driver's liability insurance directly. You do not receive an invoice from us.

Claim under your own vehicle insurance

For hail, wildlife, marten or storm damage under your own vehicle insurance (Kaskoschaden), the insurer usually sends its own expert. If you want to hire us yourself, ask your insurer first whether it will cover the costs.

Your own fault or no accident

We bill valuation reports (Wertgutachten) and damage caused by your own fault directly to you. We tell you the price beforehand, not afterwards.

Repair estimate and report compared

Below an amount of damage of about €750 (minor damage, Bagatellschaden), a full damage report is often not reimbursed. A repair estimate is then the right choice. There is no fixed limit. What counts is how the person with the damaged car sees the situation when they place the order.

Repair estimate

Fits small damage
  • Parts pricesList of the parts needed, with costs
  • Labor time units (Arbeitswerte) and labor costsHourly labor rates (Stundenverrechnungssätze) of the repair shop
  • Repair costsEstimate of the total repair amount
  • Often only a few photosSometimes they are missing completely, so the damage is not recorded as evidence
  • No diminished valueThe diminished value is left out
  • No downtimeWithout it, loss-of-use compensation (Nutzungsausfall) cannot be calculated
  • No residual valueIn a total loss (Totalschaden), half of the calculation is missing

Vehicle report

From about €750 in damage
  • Complete photo documentationDamage pattern, contact marks and impact height are recorded
  • Diminished valueDetermined and given as a clear amount. The page explains the methods. Diminished value
  • Replacement value and residual valueBoth are needed as soon as a Total loss is possible
  • DowntimeBasis for loss-of-use compensation or a rental car
  • Basis for the fictitious settlement (fiktive Abrechnung)This means you receive the calculated amount and do not repair the car. What to consider is explained under fictitious settlement
  • Optional equipment and modificationsExtra equipment and later upgrades are included in the value
  • Separating new damage from earlier damageSeparates repaired prior damage from unrepaired old damage, see HIS entry
  • Vehicle recovery, towing, transfer costs (Verbringungskosten)These costs also belong to the damage and are recorded too

What customers want to know beforehand

Report

Which report do I need?

That depends on the amount of damage and on who is liable. Describe the case by phone, and we tell you what fits. This is true even if you do not need a report at all.

Do you offer a "condensed report"?

No. A real report must include diminished value, residual value and downtime. We offer the repair estimate or the full report.

Do you also check a report that does not come from you?

Yes. If the insurer reduced the payment, or the numbers in another expert's report do not match the damage, we check them. We also write the expert statement on it.

Costs

Do you also prepare repair estimates?

Yes. A repair estimate does not have to come from the repair shop. If you want a calculation that is independent of the repair shop, this is the way.

Process

How fast can I get an appointment?

Usually within 24 hours. We come to you, to the repair shop or to the place where the car is parked. The finished report is usually ready within 24 hours after the inspection.

What do you need from me?

Your vehicle registration certificate (Fahrzeugschein), your contact details and, if you have one, the file number of the insurer or the police. We clarify everything else on site.

Your rights

Do you also work outside Erlangen?

Yes, in the whole Nuremberg Metropolitan Region. We regularly drive to Nuremberg, Fürth, Erlangen, Bamberg, Forchheim, Herzogenaurach and Schwabach.

Direct contact with your expert

Not sure what you need? Just ask.

You reach the independent vehicle expert directly. There is no call center. In the first call, we tell you without obligation how to proceed best. All ways to reach us are on the Contact.