{"id":19112,"date":"2026-05-15T09:20:21","date_gmt":"2026-05-15T07:20:21","guid":{"rendered":"https:\/\/fairforce.one\/?p=19112"},"modified":"2026-05-15T09:50:03","modified_gmt":"2026-05-15T07:50:03","slug":"ratgeber-unfall-gutachten-oder-kostenvoranschlag","status":"publish","type":"post","link":"https:\/\/fairforce.one\/en\/ratgeber\/ratgeber-unfall-gutachten-oder-kostenvoranschlag\/","title":{"rendered":"Expert opinion or cost estimate - \u20ac750 makes all the difference"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"19112\" class=\"elementor elementor-19112\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f32e2a5 e-flex e-con-boxed e-con e-parent\" data-id=\"7f32e2a5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b57cfe1 elementor-widget elementor-widget-text-editor\" data-id=\"b57cfe1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>After a road traffic accident, you as the injured party may generally commission an independent motor vehicle expert if the expert opinion is required to determine the damage. The costs of a necessary expert opinion are regularly part of the compensable damage according to \u00a7 249 BGB and must be borne by the liability insurance of the person responsible for the accident.<\/p>\n<p><strong>In the case of purely minor damage, however, a cost estimate from the garage is often sufficient.<\/strong> There is no fixed legal limit; a range of around \u20ac700 to \u20ac1,000 is often used as a guide. However, the individual case is always decisive - in particular whether there is hidden damage, a reduction in value or an interest in preserving evidence.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac52f9f elementor-widget elementor-widget-text-editor\" data-id=\"ac52f9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><div class='ff1-notification-box'><div class='ff1-notification-box__title'>In brief<\/div><div class='ff1-notification-box__content'><\/p>\n<ul>\n<li>\n<p>A cost estimate is drawn up by a workshop and contains a repair cost calculation. It is particularly suitable for minor, clearly recognisable damage.<\/p>\n<\/li>\n<li>\n<p>A motor vehicle appraisal is prepared by an expert. It documents the damage more comprehensively and can take into account previous damage, repair route, replacement value, residual value, depreciation, loss of use and repair time.<\/p>\n<\/li>\n<li>\n<p>A cost estimate is often sufficient for minor damage. The limit is not set by law; a range of around \u20ac700 to \u20ac1,000 is often given as a guide.<\/p>\n<\/li>\n<li>\n<p>An independent expert opinion is usually advisable in the event of major damage, unclear damage amounts, possible concealed damage, depreciation or disputes about the circumstances of the accident.<\/p>\n<\/li>\n<li>\n<p>If you were involved in the accident through no fault of your own, the necessary costs for an expert opinion or cost estimate are generally reimbursable. In the case of joint liability, the reimbursement is usually pro rata.<\/p>\n<\/li>\n<\/ul>\n<p>\n<\/div><\/div><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-550087d elementor-widget elementor-widget-text-editor\" data-id=\"550087d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id=\"kostenvoranschlag-und-gutachten-was-bedeuten-die-begriffe\" title=\"Cost estimate and expert opinion: What do the terms mean?\">Cost estimate and expert opinion: What do the terms mean?<\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>To find out whether a motor vehicle appraisal or cost estimate is advantageous for you, you must first familiarise yourself with the two terms \"cost estimate\" and \"appraisal\".<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:shortcode --><\/p>\n<p><div class='ff1-notification-box'><div class='ff1-notification-box__title'>Tip<\/div><div class='ff1-notification-box__content'><p><span style=\"font-weight: 400;\">From a damage amount of approx. \u20ac 750, you should have an expert opinion drawn up by an independent expert.<\/span><\/p>\n<\/div><\/div><\/p>\n<p><!-- \/wp:shortcode --><!-- wp:paragraph --><\/p>\n<p>A <strong>Cost estimate<\/strong> is drawn up by the workshop. For this purpose, the amount of damage is estimated according to the workshop's assessment and on the basis of its price structure, and the items to be repaired are listed. Each workshop is therefore obliged to display its hourly rates in the customer area.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>A <strong>Expert opinion<\/strong> on the other hand, is more complex to prepare. A motor vehicle appraiser looks at the accident vehicle in detail, also documents previous damage, carries out a plausibility check and also documents damage items for you that are not taken into account in a cost estimate.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85ab86d elementor-widget elementor-widget-text-editor\" data-id=\"85ab86d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id=\"wieso-brauche-ich-ein-gutachten-oder-einen-kostenvoranschlag\" title=\"Why do I need an expert opinion or a cost estimate?\">Why do I need an expert opinion or a cost estimate?<\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>The preparation of an expert opinion or a cost estimate is a prerequisite for you to be able to claim a specific amount for the vehicle damage from the insurance company liable to pay benefits.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:shortcode --><\/p>\n<p><div class='ff1-notification-box'><div class='ff1-notification-box__title'>Important<\/div><div class='ff1-notification-box__content'><p>In order to be able to correctly quantify your damages, it is essential to have an expert opinion or cost estimate drawn up.<\/p>\n<\/div><\/div><\/p>\n<p><!-- \/wp:shortcode --><!-- wp:paragraph --><\/p>\n<p>The opposing insurance company can recommend an expert to you. However, as the injured party, you do not have to accept this recommendation. It often makes sense to appoint an expert yourself. <strong>independent experts<\/strong> in order to ensure neutral preservation of evidence and complete damage assessment.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>Our tip<\/strong>: For the preparation of an expert opinion, you should consult a <strong>independent experts<\/strong> commission. In the fairforce.one network, you have access to tried and tested, reliable experts from all the major expert organisations in Germany. The respective expert can even come to your home. You still have the right to call an independent expert even if the opposing insurance company has already commissioned an expert.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11a846b elementor-widget elementor-widget-template\" data-id=\"11a846b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"12859\" class=\"elementor elementor-12859\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7eafa88 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7eafa88\" data-element_type=\"section\" data-e-type=\"section\" data-nosnippet=\"true\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5119223\" data-id=\"5119223\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-06a2a25 elementor-widget elementor-widget-heading\" data-id=\"06a2a25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Get your accident damage appraisal quickly and easily<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d21199 elementor-widget elementor-widget-text-editor\" data-id=\"9d21199\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Sie wollen die optimale Erstattung nach Unfall erzielen?\\n Unfallgesch\u00e4digte in Ihrer Situation bekommen bei fairforce.one einfach beste Unterst\u00fctzung.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:14979,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:14279154},&quot;10&quot;:0,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;,&quot;16&quot;:10}\" data-sheets-textstyleruns=\"{&quot;1&quot;:0}\uee10{&quot;1&quot;:15,&quot;2&quot;:{&quot;5&quot;:1}}\uee10{&quot;1&quot;:34}\">Accident victims in your situation simply get the best support from fairforce.one.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3a2507 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"a3a2507\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/lp\/anspruchsrechner-gutachten\/?utm_source=fairforce.one&#038;utm_medium=ratgeber&#038;utm_content=%%postTitle%%&#038;utm_term=cta24report\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fad fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Check claims now free of charge<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70bb6dc elementor-widget elementor-widget-text-editor\" data-id=\"70bb6dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id=\"gutachten-oder-kostenvoranschlag-das-sind-die-unterschiede\" title=\"Expert opinion or cost estimate: these are the differences\">Expert opinion or cost estimate: these are the differences<\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Whether an accident appraisal or a cost estimate is an option for you depends on a number of factors. Let's take a look at these in detail:<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>The <strong>Cost estimate <\/strong>is cheaper and is prepared with less attention to detail than the requirements for an expert opinion. The problem here, however, is that the claims that are calculated from this can also be lower than usual on the market. If, for example, the independent garage outside the big city calculates with very low hourly rates, the amount calculated in this way will probably not cover the costs of a repair in your local brand garage The price stated in the cost estimate is also usually binding. If, in the course of dismantling, consequential damage from the accident that was not calculated in advance emerges during the repair, these additional costs may fall back on you without being covered. In this case, a subsequent inspection with a so-called repair extension is documented by the expert and the claim against the insurance company liable to pay is adjusted upwards accordingly.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>Good to know<\/strong>However, if the damage is minor, i.e. less than approx. 750 euros, the cost estimate is the right choice, as it is not economically appropriate to commission an expensive expert opinion for relatively minor damage. However, 750 euros should not be understood as a fixed sum. It is important that the damage is minor. Minor damage is damage that amounts to a small sum in the case of property damage.  As a guideline value for insignificant property damage, some courts even specify a damage amount of up to 1,300 euros. However, this may vary from court to court. Personal injury always rules out categorisation as a minor accident.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:shortcode --><\/p>\n<p><div class='ff1-notification-box'><div class='ff1-notification-box__title'>Our tip<\/div><div class='ff1-notification-box__content'><p>From a <strong>Amount of damage<\/strong> from approx. <strong>750 Euro<\/strong> you should have an expert opinion drawn up by an independent expert. This must be paid for by the insurance company of the person responsible for the accident. As the injured party, you will be exempt from the costs, as they will be charged to the party responsible for the accident as part of your claim for damages in accordance with Section 249 BGB. If you are unsure whether an expert opinion is an option for you, our experts will be happy to help you. We guarantee that we will examine and advise you free of charge; if we are given a mandate, we will settle the claim against the liable party, who will also have to pay our fee as an authorised legal service provider.<\/p>\n<\/div><\/div><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-561c3c7 elementor-widget elementor-widget-template\" data-id=\"561c3c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"14246\" class=\"elementor elementor-14246\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-035df9e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"035df9e\" data-element_type=\"section\" data-e-type=\"section\" data-nosnippet=\"true\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8abf6f0\" data-id=\"8abf6f0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-934bf03 elementor-widget elementor-widget-heading\" data-id=\"934bf03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Do you want clarity and support with your road accident?<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee1ef5e elementor-widget elementor-widget-text-editor\" data-id=\"ee1ef5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Accident victims like you get the best support from fairforce.one.<\/p><p>Have your accident reported now <strong>free of charge and without obligation<\/strong> by our regulation specialists.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f10a331 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"f10a331\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/lp\/anspruchsrechner\/?utm_source=fairforce.one&#038;utm_medium=ratgeber&#038;utm_content=%%postTitle%%&#038;utm_term=cta24unsure\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fad fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Check claims now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e27361 elementor-widget elementor-widget-text-editor\" data-id=\"9e27361\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 id=\"gutachten-trotz-kostenvoranschlag\" title=\"Expert opinion despite cost estimate\">Expert opinion despite cost estimate<\/h3>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>If you already have a cost estimate, you can also order an expert opinion despite the cost estimate. The biggest difference between a cost estimate and <strong>Expert opinion<\/strong> is that the risk of an increase in the costs of an expert opinion lies with the expert or the garage. If higher costs are later incurred during the repair, you as the injured party do not bear any financial risk and are safer. The only decisive factor in a specific settlement based on a damage assessment is the actual repair costs incurred according to the invoice.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>In addition, a professional damage appraisal takes into account valuable damage items for you - such as the <a href=\"https:\/\/fairforce.one\/ratgeber\/wertminderung-berechnen\/\" target=\"_blank\" rel=\"noopener\">Impairment<\/a> - that are not reflected in a cost estimate.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>For example, these are:<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list --><\/p>\n<ul>\n<li>Consideration of the visual and technical condition of the vehicle<\/li>\n<li>the observance of standard and\/or special equipment or special conversions<\/li>\n<li>the consideration of repaired and unrepaired previous damage, the repair and replacement period as well as any reduction in value and loss of use.<\/li>\n<\/ul>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p><strong>Important<\/strong>An expert opinion has a much stronger evidentiary function in a possible civil lawsuit. If you turn up at the court hearing with a cost estimate, you are in a much worse position. Often the accident vehicle has already been sold or even scrapped at the time of the dispute. Only the preservation of evidence by means of an expert report promptly after the accident can save you in this unfortunately not so rare situation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdce416 elementor-widget elementor-widget-text-editor\" data-id=\"cdce416\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id=\"vor-und-nachteile-des-kostenvoranschlags\" title=\"Advantages and disadvantages of the cost estimate\">Advantages and disadvantages of the cost estimate<\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p><strong>Advantages:<\/strong><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list --><\/p>\n<ul>\n<li>If the damage appears to be minor at first glance, the costs of an expert are generally not paid by the opposing insurance company. However, the cost proposal is.<\/li>\n<li>With its cost estimate, the workshop makes a binding promise to repair at this calculated price. This can give you planning security in terms of price<\/li>\n<\/ul>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p><strong>Disadvantages:<\/strong><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list --><\/p>\n<ul>\n<li>Some damage items are typically not included in a cost estimate, as only the calculation of the repair costs are listed here. For example, the reduction in value is not included.<\/li>\n<li>In contrast to a motor vehicle appraisal, the cost estimate is not considered evidence in the event of any subsequent disagreements<\/li>\n<li>If unlisted damages, so-called repair extensions, occur in the course of the repair, you must pay for these yourself in case of doubt.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-501efa5 elementor-widget elementor-widget-text-editor\" data-id=\"501efa5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id=\"vor-und-nachteile-des-kfz-gutachtens\" title=\"Advantages and disadvantages of the motor vehicle appraisal\">Advantages and disadvantages of the motor vehicle appraisal<\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p><strong>Advantages:<\/strong><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list --><\/p>\n<ul>\n<li>The reduction in value is included in the appraisal.<\/li>\n<li>The damage report comprehensively covers all damage caused to the vehicle, including expected downtimes resulting from the repair.<\/li>\n<li>If further accident damage is discovered on the vehicle during the repair, the insurance company will bear the costs for this, as the risk of prognosis lies with the motor vehicle assessor.<\/li>\n<li>The expert report also serves as protection for you, particularly in the event of legal proceedings, as it comprehensively documents the damage to the vehicle.<\/li>\n<\/ul>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p><strong>Disadvantages:<\/strong><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list --><\/p>\n<ul>\n<li>In the case of minor damage, the expert's costs are in breach of the duty to minimise damage and are therefore rightly not paid by the opposing insurance company in the case of obvious minor damage.<\/li>\n<li>If you are partly or even wholly at fault for the accident, you are responsible for some or all of the costs of the expert.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6776ed60 elementor-widget elementor-widget-text-editor\" data-id=\"6776ed60\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id=\"schritte-zur-fairen-schadensregulierung\" title=\"Steps towards fair claims settlement\">Steps towards fair claims settlement<\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Have you been involved in an accident through no fault of your own? We at fairforce.one will check and advise you as to whether settlement based on an expert opinion or cost estimate is right for you.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>The proven process for you at a glance:<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list --><\/p>\n<ul>\n<li>You report the accident to us risk-free and free of charge by telephone on 0800 30 111 60 or even faster <span class=\"s1\"><span style=\"font-weight: 400;\"><a href='\/en\/lp\/anspruchsrechner\/?utm_source=faire-regulierung.de&#038;utm_medium=ratgeber&#038;utm_content=&#038;utm_term=Jetzt%20Anspruch%20berechnen' title='here online'>here online<\/a><\/span><\/span>.<\/li>\n<li>Our experienced team of specialists will examine your case immediately and discuss the next steps with you individually.<\/li>\n<li>Your claim settlement is prepared with all the necessary documents, the required service providers such as experts, garages etc. are coordinated for you and you are kept up to date on every settlement progress until the final payment. This is very easy and can be done without installing an app via our digital customer information system.\u00a0<\/li>\n<\/ul>\n<p><!-- \/wp:list --><!-- wp:shortcode --><!-- \/wp:shortcode --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fab2786 elementor-widget elementor-widget-template\" data-id=\"fab2786\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"page\" data-elementor-id=\"12420\" class=\"elementor elementor-12420\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9114e53 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9114e53\" data-element_type=\"section\" data-e-type=\"section\" data-nosnippet=\"true\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-89b6643\" data-id=\"89b6643\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-008b329 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"008b329\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/lp\/anspruchsrechner\/?utm_source=fairforce.one&#038;utm_medium=ratgeber&#038;utm_content=%%postTitle%%&#038;utm_term=cta24checkbutton\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fad fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Check claims now without obligation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9904286 elementor-widget elementor-widget-tc-faq\" data-id=\"9904286\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tc-faq.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n                <div class=\"tc__faq-container\">\n                    <h2 class=\"tc__faq-title\" id=\"haeufig-gestellte-fragen-zum-thema-gutachten-oder-kostenvoranschlag\" title=\"Frequently asked questions on the subject of expert opinions or cost estimates\">Frequently asked questions on the subject of expert opinions or cost estimates<\/h2>\n                    <div class=\"tc__faq-item-container\" itemscope itemtype=\"https:\/\/schema.org\/FAQPage\">\n\n                        <div class=\"tc__faq-item\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 class=\"tc__faq-item-title\" itemprop=\"name\" id=\"wann-brauche-ich-nach-einem-unfall-ein-gutachten\" title=\"When do I need an expert opinion after an accident?\">When do I need an expert opinion after an accident?<\/h3><div class=\"tc__faq-item-desc\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>An expert opinion is useful if the damage is not only minor, concealed damage is possible or a reduction in value is to be claimed. An expert opinion also provides important evidence in the event of a dispute about the course of the accident.<\/p><a style=\"display: none;\" href=\"https:\/\/fairforce.one\/en\/ratgeber\/ratgeber-unfall-gutachten-oder-kostenvoranschlag\/\">learn more<\/a><\/div><\/div><\/div><div class=\"tc__faq-item\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 class=\"tc__faq-item-title\" itemprop=\"name\" id=\"reicht-bei-einem-kleinen-unfallschaden-ein-kostenvoranschlag-aus\" title=\"Is a cost estimate sufficient for minor accident damage?\">Is a cost estimate sufficient for minor accident damage?<\/h3><div class=\"tc__faq-item-desc\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Yes, in the case of clearly recognisable minor damage, a cost estimate from the garage is often sufficient. There is no fixed legal limit; a range of around 700 to 1,000 euros is often given as a guide.<\/p><a style=\"display: none;\" href=\"https:\/\/fairforce.one\/en\/ratgeber\/ratgeber-unfall-gutachten-oder-kostenvoranschlag\/\">learn more<\/a><\/div><\/div><\/div><div class=\"tc__faq-item\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 class=\"tc__faq-item-title\" itemprop=\"name\" id=\"wer-zahlt-das-gutachten-nach-einem-unverschuldeten-unfall\" title=\"Who pays for the expert opinion after a no-fault accident?\">Who pays for the expert opinion after a no-fault accident?<\/h3><div class=\"tc__faq-item-desc\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>In the event of a no-fault accident, the liability insurance of the person responsible for the accident must generally cover the costs of a necessary expert opinion. In the case of joint liability, reimbursement may be made on a pro rata basis.<\/p><a style=\"display: none;\" href=\"https:\/\/fairforce.one\/en\/ratgeber\/ratgeber-unfall-gutachten-oder-kostenvoranschlag\/\">learn more<\/a><\/div><\/div><\/div><div class=\"tc__faq-item\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 class=\"tc__faq-item-title\" itemprop=\"name\" id=\"was-ist-besser-gutachten-oder-kostenvoranschlag\" title=\"Which is better: an expert opinion or a cost estimate?\">Which is better: an expert opinion or a cost estimate?<\/h3><div class=\"tc__faq-item-desc\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>This depends on the amount of damage and the individual case. A cost estimate is sufficient for minor damage; an expert opinion is usually the better choice for larger or unclear damage because it documents the damage more comprehensively.<\/p><a style=\"display: none;\" href=\"https:\/\/fairforce.one\/en\/ratgeber\/ratgeber-unfall-gutachten-oder-kostenvoranschlag\/\">learn more<\/a><\/div><\/div><\/div><div class=\"tc__faq-item\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 class=\"tc__faq-item-title\" itemprop=\"name\" id=\"kann-ich-selbst-einen-gutachter-auswaehlen\" title=\"Can I choose an appraiser myself?\">Can I choose an appraiser myself?<\/h3><div class=\"tc__faq-item-desc\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p data-start=\"1277\" data-end=\"1466\">Yes, as the injured party you are generally entitled to appoint an independent motor vehicle expert yourself. You do not have to choose the expert suggested by the other party's insurance company.<\/p><a style=\"display: none;\" href=\"https:\/\/fairforce.one\/en\/ratgeber\/ratgeber-unfall-gutachten-oder-kostenvoranschlag\/\">learn more<\/a><\/div><\/div><\/div><div class=\"tc__faq-item\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 class=\"tc__faq-item-title\" itemprop=\"name\" id=\"ist-ein-kostenvoranschlag-vor-gericht-ausreichend\" title=\"Is a cost estimate sufficient in court?\">Is a cost estimate sufficient in court?<\/h3><div class=\"tc__faq-item-desc\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>A cost estimate can roughly quantify the damage, but is no substitute for a comprehensive preservation of evidence. In the event of disputes, an expert opinion is generally much more meaningful.<\/p><a style=\"display: none;\" href=\"https:\/\/fairforce.one\/en\/ratgeber\/ratgeber-unfall-gutachten-oder-kostenvoranschlag\/\">learn more<\/a><\/div><\/div><\/div>                    <\/div>\n                <\/div>\n                \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Nach einem Verkehrsunfall d\u00fcrfen Sie als Gesch\u00e4digter grunds\u00e4tzlich einen unabh\u00e4ngigen Kfz-Sachverst\u00e4ndigen beauftragen, wenn das Gutachten zur Schadensermittlung erforderlich ist. Die Kosten eines erforderlichen Gutachtens geh\u00f6ren regelm\u00e4\u00dfig zum ersatzf\u00e4higen Schaden nach \u00a7 249 BGB und sind von der Haftpflichtversicherung des Unfallverursachers zu \u00fcbernehmen. Bei reinen Bagatellsch\u00e4den reicht dagegen h\u00e4ufig ein Kostenvoranschlag der Werkstatt aus. Eine feste [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":19120,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"2908,18575,18300,13613,12394,13492","_relevanssi_noindex_reason":"","_lmt_disableupdate":"yes","_lmt_disable":"no","yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[9],"tags":[8],"class_list":["post-19112","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ratgeber","tag-anspruchsarten"],"acf":[],"modified_by":"thecase_cmueller","yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/fairforce.one\/en\/wp-json\/wp\/v2\/posts\/19112","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fairforce.one\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fairforce.one\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fairforce.one\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/fairforce.one\/en\/wp-json\/wp\/v2\/comments?post=19112"}],"version-history":[{"count":15,"href":"https:\/\/fairforce.one\/en\/wp-json\/wp\/v2\/posts\/19112\/revisions"}],"predecessor-version":[{"id":19130,"href":"https:\/\/fairforce.one\/en\/wp-json\/wp\/v2\/posts\/19112\/revisions\/19130"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fairforce.one\/en\/wp-json\/wp\/v2\/media\/19120"}],"wp:attachment":[{"href":"https:\/\/fairforce.one\/en\/wp-json\/wp\/v2\/media?parent=19112"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fairforce.one\/en\/wp-json\/wp\/v2\/categories?post=19112"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fairforce.one\/en\/wp-json\/wp\/v2\/tags?post=19112"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}