accidents happen again and again. What to do actuarial, we explain the following: There are three scenarios: first
They were innocently involved in an accident and liability insurance paid for your opponent or accident damage.
second They have caused an accident or suffered a hull loss and your insurance regulates the damage to your vehicle.
third If you are involved in an accident in which the fault is at issue, or you start from a contributory negligence of the other party. You can make your (partial) claim from the liability insurance of the other party enforce. You may use an existing right to insurance. You can adjust the damage but can also (strict) by the insurance. You can claim the deductible in part the fault of the defendant at his insurance.
LIABILITY
Tip 1: Truss plant hire
Bring your car in your Garage or let it drag dortin if it because of the accident no longer transport and safe to operate. In the event the costs of towing capacity in the next workshop only by the insurance of the person responsible must be replaced. Here it will be repaired not only professionally, You also get assistance in processing claims with your insurance company.
Tip 2: Expert
use your car every day workshop only has to do with accidents and the related organizational work. Save valuable time and nerves.
Tip 3: damage assessment must be
before the insurance paid for, they commissioned an expert to examine the damage and estimate. For smaller damage often enough, a photograph of the damage. The cost of the report with the opposing insurance. And your workshop deals with the settlement.
Tip 4: Total loss
If the repair costs are higher than the replacement value of your vehicle, is usually a so-called "economic total loss" before. The replacement value is the price that the vehicle achieved an equivalent quality in the fair market (purchase / sale).
In the case of the economic total loss, the insurance benefits, the difference between replacement value and the value of the wreck. What are these values determined by an expert opinion.
It also happens that insurance companies make the wreck, despite the present expert opinions in a so-called "Wreck" page. These are valuation platforms on the Internet, which External companies (dealers, distributors wreck) offers to buy your damaged vehicle. These offers can differ significantly from the wreck of the expert opinion. The insurance will be liable to you based on these deals and will pay out a lower total loss transfer. The wreck will be sent to you and offer you to sell your damaged vehicle to the dealer offered. This is for the overall performance from this damage was left unchanged, but the payment of benefits distributed to the insurance buyer un the wreck.
If the repair costs but only the height of the replacement value reach or slightly exceed this, it is also possible repair - ask to your workshop.
Tip 5: Beware of car
Almost all Bestizer in Austria have liability insurance, which includes the rental car waiver (variant A). For a premium discount is reflected in the liability insurance. However, that does damage in the event that you must pay the rental car expenses.
But there are exceptions: In case of accident with a vehicle that was registered abroad, and damages that would make a general liability insurance or household insurance. But again, you need about 10% the rental costs themselves.
Tip 6: Repair reimbursement saved in advance
your car dealer offers you like to place on the settlement of the payment. To do so sign a declaration of assignment. Then expects the insurance company directly to the workshop. You do not have to pay in advance and with the settlement of the invoice for the repair to do anything.
KASKO
If you take out full insurance, takes over this accident damage to your vehicle for which you are responsible, but also elementary and vandalism and theft. Hull insurance In contrast to the liability insurance is not legally binding and contain individual provisions. Before you can repair a hull loss, you should consider three points: first
Contract review
What the insurance will pay and whether you will be asked to checkout depends on your contract. Your car workshop explains you with your insurance company, which services your contract includes or excludes, and to contribute what damage a deductible is.
second Give instructions note
In hull insurance to the insurance company reserved a right of instruction. In this case, they may require that your vehicle from a said from her workshop for repair. You then need a written agreement for your confidence workshop. The best make the conclusion already on appropriate terms. Here you can discuss your work place regardless.
third Repair value
Check your hull contract with the help of your workshop, if the insurance can make repair of a certain value is a total loss settlement. Many insurance companies have set that value with 50-60% of the replacement value. It also happens in the insurance, that insurance companies that "economic total loss" position in the so-called "Wreck purse (see Tip 4 above the "liability").
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