{"id":2292,"date":"2024-09-10T10:46:31","date_gmt":"2024-09-10T08:46:31","guid":{"rendered":"https:\/\/almocon.de\/fictitious-settlement\/"},"modified":"2025-07-22T14:48:45","modified_gmt":"2025-07-22T12:48:45","slug":"fictitious-settlement","status":"publish","type":"page","link":"https:\/\/almocon.de\/en\/services\/advisor\/fictitious-settlement\/","title":{"rendered":"Fictitious settlement"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2292\" class=\"elementor elementor-2292 elementor-705\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ddbcaed e-flex e-con-boxed e-con e-parent\" data-id=\"ddbcaed\" 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-ae563a7 elementor-widget elementor-widget-heading\" data-id=\"ae563a7\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Fictitious settlement - how to get an accident claim paid out<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-106ab26 elementor-widget elementor-widget-text-editor\" data-id=\"106ab26\" 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>Do I have to have my car repaired after an accident? No, not necessarily. Instead, it is often advantageous to have the liability claim paid out by means of a <strong>fictitious settlement<\/strong>. But when exactly is this worthwhile? And what should I bear in mind?    <\/p>\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1d2f933e e-con-full e-flex e-con e-parent\" data-id=\"1d2f933e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e151c6b elementor-widget elementor-widget-heading\" data-id=\"1e151c6b\" 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<h2 class=\"elementor-heading-title elementor-size-default\">35 percent of accident claims are settled by fictitious settlement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-322c6f5e elementor-widget elementor-widget-text-editor\" data-id=\"322c6f5e\" 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 style=\"text-align: center;\">Every traffic accident is annoying, no question about it.<\/p><p style=\"text-align: center;\">After all, damage to a vehicle always raises a whole host of questions and requirements:<br>What are the replacement costs? How do I get my vehicle damage replaced? Is this only possible through a repair? Or can I also get compensation?   <\/p><p style=\"text-align: center;\">Yes, that is possible. A good third of accidents are now settled by means of so-called fictitious settlement. A completely legal practice, but not without its pitfalls.  <\/p><p style=\"text-align: center;\"> <\/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-3097cdae elementor-widget elementor-widget-button\" data-id=\"3097cdae\" 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=\"tel:+4933356059807\">\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<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-phone-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">03335 \/ 60 59807<\/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<\/div>\n\t\t<div class=\"elementor-element elementor-element-dd0af01 e-flex e-con-boxed e-con e-parent\" data-id=\"dd0af01\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4bedfe6 e-con-full e-flex e-con e-child\" data-id=\"4bedfe6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aed5629 elementor-widget elementor-widget-heading\" data-id=\"aed5629\" 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<h2 class=\"elementor-heading-title elementor-size-default\">You can expect these contents in this article<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10be60a elementor-widget elementor-widget-text-editor\" data-id=\"10be60a\" 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>Reading time: approx. 6.5 minutes<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c130102 e-con-full e-flex e-con e-child\" data-id=\"c130102\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b5c6e5 elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"6b5c6e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;exclude_headings_by_selector&quot;:[],&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;,&quot;h4&quot;,&quot;h5&quot;,&quot;h6&quot;],&quot;marker_view&quot;:&quot;numbers&quot;,&quot;no_headings_message&quot;:&quot;No headings were found on this page.&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;minimized_on&quot;:&quot;tablet&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tOverview\t\t\t<\/h4>\n\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__6b5c6e5\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__6b5c6e5\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/div>\n\t\t\t\t\t<\/div>\n\t\t<div id=\"elementor-toc__6b5c6e5\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<svg class=\"elementor-toc__spinner eicon-animation-spin e-font-icon-svg e-eicon-loading\" aria-hidden=\"true\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M500 975V858C696 858 858 696 858 500S696 142 500 142 142 304 142 500H25C25 237 238 25 500 25S975 237 975 500 763 975 500 975Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/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<div class=\"elementor-element elementor-element-94c5ecb e-flex e-con-boxed e-con e-parent\" data-id=\"94c5ecb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-80f606e e-con-full e-flex e-con e-child\" data-id=\"80f606e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f7fe49 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5f7fe49\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-lightbulb\" viewBox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M96.06 454.35c.01 6.29 1.87 12.45 5.36 17.69l17.09 25.69a31.99 31.99 0 0 0 26.64 14.28h61.71a31.99 31.99 0 0 0 26.64-14.28l17.09-25.69a31.989 31.989 0 0 0 5.36-17.69l.04-38.35H96.01l.05 38.35zM0 176c0 44.37 16.45 84.85 43.56 115.78 16.52 18.85 42.36 58.23 52.21 91.45.04.26.07.52.11.78h160.24c.04-.26.07-.51.11-.78 9.85-33.22 35.69-72.6 52.21-91.45C335.55 260.85 352 220.37 352 176 352 78.61 272.91-.3 175.45 0 73.44.31 0 82.97 0 176zm176-80c-44.11 0-80 35.89-80 80 0 8.84-7.16 16-16 16s-16-7.16-16-16c0-61.76 50.24-112 112-112 8.84 0 16 7.16 16 16s-7.16 16-16 16z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7eb3535 e-con-full e-flex e-con e-child\" data-id=\"7eb3535\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-90534be elementor-widget elementor-widget-heading\" data-id=\"90534be\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Definition: fictitious settlement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-242d1a0 elementor-widget elementor-widget-text-editor\" data-id=\"242d1a0\" 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<div class=\"fusion-text fusion-text-6\"><div class=\"fusion-text fusion-text-7\">With a fictitious settlement, you as the injured party have the liability claim paid out instead of having it repaired. The settlement is fictitious &#8211; or abstract &#8211; because you do not submit a real repair invoice to the opposing liability insurance company, but a <strong>motor vehicle appraisal<\/strong> with a cost estimate of the amount of damage incurred &#8211; in other words, a fictitious workshop invoice. <\/div><\/div>\t\t\t\t\t\t\t\t<\/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<div class=\"elementor-element elementor-element-244603e e-flex e-con-boxed e-con e-parent\" data-id=\"244603e\" 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-c1ed3b4 elementor-widget elementor-widget-heading\" data-id=\"c1ed3b4\" 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<h2 class=\"elementor-heading-title elementor-size-default\">FAQ - frequently asked questions<\/h2>\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<div class=\"elementor-element elementor-element-b7c2454 e-flex e-con-boxed e-con e-parent\" data-id=\"b7c2454\" 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-bb851b0 elementor-widget elementor-widget-accordion\" data-id=\"bb851b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1961\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1961\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Will I receive a rental car with fictitious billing?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1961\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1961\"><div class=\"panel-heading\">\n<div class=\"fusion-toggle-heading\">\n<div class=\"panel-body toggle-content post-content\">\n<div class=\"panel-heading\">\n<div class=\"fusion-toggle-heading\">\n<div class=\"panel-body toggle-content post-content\">\n<div class=\"panel-heading\">\n<div class=\"fusion-toggle-heading\">\n<div class=\"panel-body toggle-content post-content\">\n<p>Yes, that is possible. However, you must then prove that you have actually repaired the vehicle damage yourself or, for example, had partial damage repaired in a workshop. It is important that the vehicle is technically roadworthy. The calculated repair duration in the expert report serves as a guideline for the duration of the rental car use.   <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1962\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1962\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Why do I not receive VAT on the fictitious invoice?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1962\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1962\"><div class=\"panel-heading\">\n<div class=\"fusion-toggle-heading\">\n<div class=\"panel-body toggle-content post-content\">\n<p>In a nutshell: You will only be paid the net amount, as no VAT is incurred in the workshop for a fictitious repair. Exception: If you buy spare parts for the repair yourself or commission additional work such as wheel alignment or a light test, you may well be reimbursed the VAT for this on presentation of an invoice. <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1963\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1963\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is deducted in the fictitious settlement?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1963\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1963\"><div class=\"panel-heading\">\n<div class=\"fusion-toggle-heading\">\n<div class=\"panel-body toggle-content post-content\">\n<div class=\"panel-heading\">\n<div class=\"fusion-toggle-heading\">\n<div class=\"panel-body toggle-content post-content\">\n<p>Injured parties are not allowed to profit from an accident. Therefore, according to a ruling by the BGH in 2015 (BGH, Ref. VI ZR 267\/14), only the lower hourly rates of an independent garage are to be applied for cars that are more than three years old and that were not serviced before the accident, not the hourly rates of a brand garage. <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1964\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1964\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Am I allowed to repair my car even though I have made a fictitious settlement?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1964\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1964\"><div class=\"panel-heading\">\n<div class=\"fusion-toggle-heading\">\n<div class=\"panel-body toggle-content post-content\">\n<div class=\"panel-heading\">\n<div class=\"fusion-toggle-heading\">\n<div class=\"panel-body toggle-content post-content\">\n<p>Of course. You can also have only partial damage repaired. However, expert opinion-based billing is only worthwhile if you want to have the car repaired privately. If you have the accident damage (or part of the damage) repaired in a specialist garage after the payout, you submit the invoice to the insurance company. The insurance company will reimburse you for the VAT, but this may involve some waiting time.    <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1965\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1965\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What does the insurance company pay if the damage is not repaired?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1965\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1965\"><div class=\"panel-heading\">\n<div class=\"fusion-toggle-heading\">\n<div class=\"panel-body toggle-content post-content\">\n<div class=\"panel-heading\">\n<div class=\"fusion-toggle-heading\">\n<div class=\"panel-body toggle-content post-content\">\n<p>In principle, the other party&#8217;s insurance company is obliged to reimburse you for all accident-related costs in accordance with Section 249 BGB. This includes the repair costs incurred, the reduction in value, the loss of use as well as the costs of an expert opinion and expenses for a lawyer. This also applies to fictitious settlements.  <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\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<div class=\"elementor-element elementor-element-bac6fac e-flex e-con-boxed e-con e-parent\" data-id=\"bac6fac\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9585157 e-con-full e-flex e-con e-child\" data-id=\"9585157\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-666d953 elementor-widget elementor-widget-heading\" data-id=\"666d953\" 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<h2 class=\"elementor-heading-title elementor-size-default\">In which cases does a fictitious settlement make sense?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e088eb elementor-widget elementor-widget-text-editor\" data-id=\"0e088eb\" 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<div class=\"fusion-text fusion-text-12\"><p>Whether and when it is worth settling a claim on the basis of an expert opinion depends on many factors. In general, however, it can be said that it is only worth settling on a fictitious basis if you<strong> do not<\/strong> want to take the accident vehicle<strong> to a brand-affiliated garage for repairs<\/strong> and if the car is <strong>not a total loss<\/strong>. If, on the other hand, you do not want to have your car repaired at all, have it repaired by a friend or simply have it repaired at a later date, fictitious damage settlement is a sensible alternative.  <\/p><p>Incidentally, there are <strong>no restrictions on the use of<\/strong> the compensation paid out &#8211; you can do whatever you want with the financial compensation. Take advantage of our <strong>free expert advice<\/strong><a href=\"mailto:info@amc-gutachten.de\">(info@amc-gutachten.de)<\/a> and find out which claims settlement option is best for you. <\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-165eeaa e-con-full e-flex e-con e-child\" data-id=\"165eeaa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9bccf10 elementor-widget elementor-widget-image\" data-id=\"9bccf10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"640\" height=\"480\" src=\"https:\/\/almocon.de\/wp-content\/uploads\/2024\/09\/unfallschaden-fiktiv-abrechnen.jpg\" class=\"attachment-large size-large wp-image-2133\" alt=\"\" srcset=\"https:\/\/almocon.de\/wp-content\/uploads\/2024\/09\/unfallschaden-fiktiv-abrechnen.jpg 750w, https:\/\/almocon.de\/wp-content\/uploads\/2024\/09\/unfallschaden-fiktiv-abrechnen-300x225.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/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<div class=\"elementor-element elementor-element-6e41a0f e-flex e-con-boxed e-con e-parent\" data-id=\"6e41a0f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2265106 e-con-full e-flex e-con e-child\" data-id=\"2265106\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34d4111 e-transform elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"34d4111\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_flipX_effect&quot;:&quot;transform&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-hand-paper\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M408.781 128.007C386.356 127.578 368 146.36 368 168.79V256h-8V79.79c0-22.43-18.356-41.212-40.781-40.783C297.488 39.423 280 57.169 280 79v177h-8V40.79C272 18.36 253.644-.422 231.219.007 209.488.423 192 18.169 192 40v216h-8V80.79c0-22.43-18.356-41.212-40.781-40.783C121.488 40.423 104 58.169 104 80v235.992l-31.648-43.519c-12.993-17.866-38.009-21.817-55.877-8.823-17.865 12.994-21.815 38.01-8.822 55.877l125.601 172.705A48 48 0 0 0 172.073 512h197.59c22.274 0 41.622-15.324 46.724-37.006l26.508-112.66a192.011 192.011 0 0 0 5.104-43.975V168c.001-21.831-17.487-39.577-39.218-39.993z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5687220 e-con-full e-flex e-con e-child\" data-id=\"5687220\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b633173 elementor-widget elementor-widget-heading\" data-id=\"b633173\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Prerequisites for fictitious settlement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68ef2d8 elementor-widget elementor-widget-text-editor\" data-id=\"68ef2d8\" 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<div class=\"fusion-text fusion-text-6\"><div class=\"fusion-text fusion-text-7\">In order to be able to settle a liability claim fictitiously, the amount of damage must <strong>be reliably quantified<\/strong>, preferably by an independent expert opinion. An appraisal-based settlement can only take place if your vehicle has <strong>not<\/strong> suffered <strong>a total loss<\/strong>. In other words, the repair costs must not exceed the replacement value. If the costs exceed this 100 percent mark, the opposing party&#8217;s liability only has to pay out the replacement value less the residual value of the accident vehicle.   <\/div><\/div>\t\t\t\t\t\t\t\t<\/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<div class=\"elementor-element elementor-element-2a835d1 e-flex e-con-boxed e-con e-parent\" data-id=\"2a835d1\" 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-26a4933 elementor-widget elementor-widget-heading\" data-id=\"26a4933\" 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<h2 class=\"elementor-heading-title elementor-size-default\">The following costs can be claimed in the fictitious settlement:<\/h2>\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<div class=\"elementor-element elementor-element-15be727 e-flex e-con-boxed e-con e-parent\" data-id=\"15be727\" 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-ba80767 elementor-widget elementor-widget-accordion\" data-id=\"ba80767\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1951\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1951\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Repair costs<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1951\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1951\"><div class=\"panel-heading\">\n<div class=\"fusion-toggle-heading\">\n<div class=\"panel-body toggle-content post-content\">\n<div class=\"panel-heading\">\n<div class=\"fusion-toggle-heading\">\n<div class=\"panel-body toggle-content post-content\">\n<div class=\"panel-heading\">\n<div class=\"fusion-toggle-heading\">\n<div class=\"panel-body toggle-content post-content\">\n<p>For this, you absolutely need an expert&#8217;s report that quantifies the calculated costs based on the hourly wage of a brand-bound workshop. The <strong>duty to minimize damages<\/strong> in accordance with \u00a7 254 BGB must be observed: The accident victim is required to keep the repair costs as low as possible. A cost estimate is not sufficient.  <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1952\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1952\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Impairment<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1952\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1952\"><div class=\"panel-heading\">\n<div class=\"fusion-toggle-heading\">\n<div class=\"panel-body toggle-content post-content\">\n<p>After an accident, you can no longer resell your car for the same price as before; this is referred to as a mercantile reduction in value. This difference in value must also be settled in the case of a fictitious settlement (see judgment of Regensburg Regional Court, ref. 22 S 90\/18, 2019). <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1953\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1953\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Loss of use<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1953\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1953\"><div class=\"panel-heading\">\n<div class=\"fusion-toggle-heading\">\n<div class=\"panel-body toggle-content post-content\">\n<div class=\"panel-heading\">\n<div class=\"fusion-toggle-heading\">\n<div class=\"panel-body toggle-content post-content\">\n<p>If you actually have your accident vehicle repaired, you are entitled to a replacement vehicle. You are entitled to compensation for loss of use for the time that a hypothetical repair would take. This damage item is also determined and shown ONLY in an expert opinion.  <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1954\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1954\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Expert costs<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1954\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1954\"><div class=\"panel-heading\">\n<div class=\"fusion-toggle-heading\">\n<div class=\"panel-body toggle-content post-content\">\n<div class=\"panel-heading\">\n<div class=\"fusion-toggle-heading\">\n<div class=\"panel-body toggle-content post-content\">\n<p>As the injured party in an accident, the other party&#8217;s liability insurance must reimburse you for the fee for an expert. Ideally, your expert will settle the bill directly with the insurance company so that you do not have to pay in advance. <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1955\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1955\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Legal fees<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1955\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1955\"><div class=\"panel-heading\">\n<div class=\"fusion-toggle-heading\">\n<div class=\"panel-body toggle-content post-content\">\n<div class=\"panel-heading\">\n<div class=\"fusion-toggle-heading\">\n<div class=\"panel-body toggle-content post-content\">\n<p>Even if you wish to consult a lawyer for traffic law, the insurance company of the person responsible for the accident must reimburse the fees in full.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\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<div class=\"elementor-element elementor-element-cec7777 e-flex e-con-boxed e-con e-parent\" data-id=\"cec7777\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9f03ad3 e-con-full e-flex e-con e-child\" data-id=\"9f03ad3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97d6146 elementor-widget elementor-widget-heading\" data-id=\"97d6146\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Fictitious settlement in the event of economic total loss<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f70e89 elementor-widget elementor-widget-text-editor\" data-id=\"4f70e89\" 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<div class=\"fusion-text fusion-text-12\"><p>If the repair costs after an accident are <strong>more than 100 percent<\/strong> of the calculated replacement value, this is referred to as a total loss. In such cases, the liable party of the damaging party will not agree to a fictitious settlement. In the event of a total loss, the other party&#8217;s insurance company only has to pay out the replacement costs for an equivalent vehicle &#8211; minus the calculated residual value of the car involved in the accident.  <\/p><p>If the insurance company is not provided with proof that the vehicle is ready to drive and has been repaired, it will be settled on the more favorable variant, namely on a total loss basis.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0252aa8 e-con-full e-flex e-con e-child\" data-id=\"0252aa8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-63cb8c7 elementor-widget elementor-widget-image\" data-id=\"63cb8c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"440\" height=\"330\" src=\"https:\/\/almocon.de\/wp-content\/uploads\/2024\/09\/nutzungsausfall-totalschaden.jpg\" class=\"attachment-large size-large wp-image-2135\" alt=\"\" srcset=\"https:\/\/almocon.de\/wp-content\/uploads\/2024\/09\/nutzungsausfall-totalschaden.jpg 440w, https:\/\/almocon.de\/wp-content\/uploads\/2024\/09\/nutzungsausfall-totalschaden-300x225.jpg 300w\" sizes=\"(max-width: 440px) 100vw, 440px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/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<div class=\"elementor-element elementor-element-541b341 e-flex e-con-boxed e-con e-parent\" data-id=\"541b341\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1894955 e-con-full e-flex e-con e-child\" data-id=\"1894955\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd31734 elementor-widget elementor-widget-heading\" data-id=\"cd31734\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Sample calculation: fictitious settlement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-814b95d elementor-widget elementor-widget-text-editor\" data-id=\"814b95d\" 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<div class=\"fusion-text fusion-text-13\" style=\"transform: translate3d(0,0,0);\">Let&#8217;s assume your vehicle has a replacement value of 10,000 euros, the calculated residual value is 4,000 euros and the depreciation is 500 euros. With repair costs of 6,500 euros net, the following calculation would result: <\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-110541e e-con-full e-flex e-con e-child\" data-id=\"110541e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76a32e4 elementor-widget elementor-widget-text-editor\" data-id=\"76a32e4\" 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>Replacement value: 10,000 euros<br>Repair costs: 6,500 euros<br>+ reduction in value: 500 euros<\/p><hr><p><strong>= You will receive: 7,000 euros<\/strong><br><strong>(vehicle still roadworthy, holding period 6 months)<br><br><\/strong><\/p><p><em>In addition, compensation for loss of use and value-added tax on invoices relating to the claim must be paid if the relevant evidence is provided.<\/em><\/p>\t\t\t\t\t\t\t\t<\/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<div class=\"elementor-element elementor-element-e0f43e7 e-flex e-con-boxed e-con e-parent\" data-id=\"e0f43e7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-73d2120 e-con-full e-flex e-con e-child\" data-id=\"73d2120\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eb5ac65 elementor-widget elementor-widget-text-editor\" data-id=\"eb5ac65\" 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<div class=\"fusion-text fusion-text-13\" style=\"transform: translate3d(0,0,0);\">In the event of a <strong>total loss<\/strong> or a <strong>total loss settlement<\/strong>, i.e. if the repair costs amount to 130% of the replacement value, the insurance company only pays out the replacement costs. With this rule, no fictitious settlement is possible. The replacement cost is calculated as follows:  <\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6383a6e e-con-full e-flex e-con e-child\" data-id=\"6383a6e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cefb50a elementor-widget elementor-widget-text-editor\" data-id=\"cefb50a\" 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>Replacement value: 10,000 euros<br>&#8211; Residual value: 4,000 euros<\/p><hr><p><strong>= You will receive: 6,000 euros<\/strong><\/p><p> <\/p><p><em>Here, too, loss of use as well as re-registration or deregistration fees would be added if proof is provided.<\/em><\/p>\t\t\t\t\t\t\t\t<\/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<div class=\"elementor-element elementor-element-0587ed2 e-flex e-con-boxed e-con e-parent\" data-id=\"0587ed2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-05371e0 e-con-full e-flex e-con e-child\" data-id=\"05371e0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7696a41 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"7696a41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-lightbulb\" viewBox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M96.06 454.35c.01 6.29 1.87 12.45 5.36 17.69l17.09 25.69a31.99 31.99 0 0 0 26.64 14.28h61.71a31.99 31.99 0 0 0 26.64-14.28l17.09-25.69a31.989 31.989 0 0 0 5.36-17.69l.04-38.35H96.01l.05 38.35zM0 176c0 44.37 16.45 84.85 43.56 115.78 16.52 18.85 42.36 58.23 52.21 91.45.04.26.07.52.11.78h160.24c.04-.26.07-.51.11-.78 9.85-33.22 35.69-72.6 52.21-91.45C335.55 260.85 352 220.37 352 176 352 78.61 272.91-.3 175.45 0 73.44.31 0 82.97 0 176zm176-80c-44.11 0-80 35.89-80 80 0 8.84-7.16 16-16 16s-16-7.16-16-16c0-61.76 50.24-112 112-112 8.84 0 16 7.16 16 16s-7.16 16-16 16z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-676cdcb e-con-full e-flex e-con e-child\" data-id=\"676cdcb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4281816 elementor-widget elementor-widget-text-editor\" data-id=\"4281816\" 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<div class=\"fusion-text fusion-text-6\"><div class=\"fusion-text fusion-text-7\">If a repair confirmation from the expert can be presented, the insurance company would have to pay an additional 1,000 euros in order to reach the 7,000 euros calculated in the first variant. Alternatively, the injured party can also sell their car for the residual value of 4,000 euros to the buyer stated in the expert opinion. This would leave him with 10,000 euros &#8211; and thus enough money to purchase a suitable replacement vehicle.  <\/div><\/div>\t\t\t\t\t\t\t\t<\/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<div class=\"elementor-element elementor-element-c70f510 e-con-full e-flex e-con e-parent\" data-id=\"c70f510\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-921536a elementor-widget elementor-widget-heading\" data-id=\"921536a\" 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<h2 class=\"elementor-heading-title elementor-size-default\">AMC appraiser<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-523bf48 elementor-widget elementor-widget-text-editor\" data-id=\"523bf48\" 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>We help quickly and easily.<\/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-1106069 elementor-widget elementor-widget-button\" data-id=\"1106069\" 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=\"tel:+4933356059807\">\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<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-phone-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">03335 \/ 60 59807<\/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<\/div>\n\t\t<div class=\"elementor-element elementor-element-fbfcf35 e-flex e-con-boxed e-con e-parent\" data-id=\"fbfcf35\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-da1d9b7 e-con-full e-flex e-con e-child\" data-id=\"da1d9b7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f02d3f elementor-widget elementor-widget-heading\" data-id=\"6f02d3f\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Fictitious billing:\nwith a cost estimate or better with an expert opinion?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f938c22 elementor-widget elementor-widget-text-editor\" data-id=\"f938c22\" 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<div class=\"fusion-text fusion-text-6\"><div class=\"fusion-text fusion-text-7\"><div class=\"fusion-text fusion-text-6\"><p>After an accident, many accident victims first go to their trusted specialist garage to get a cost estimate. However, this is not the best solution, especially for damage beyond the minor damage threshold. For an abstract settlement, it is particularly important to calculate the repair costs as accurately as possible. Relevant vehicle values, repair duration, depreciation, replacement value and residual value are not shown in the cost estimate.   <\/p><p>An <strong>independent expert opinion<\/strong> is the better choice here. In addition to the pure repair costs, this also quantifies the loss of use and the reduction in value. However, you should not rely on an expert provided by the opposing insurance company, as they can never be neutral. As the victim of an accident, you have the right to expert advice and support from your own independent expert.   <\/p><p>Please call us on 0173-154 37 47 and we will be happy to assist you at any time with our many years of expertise.<\/p><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a103295 e-con-full e-flex e-con e-child\" data-id=\"a103295\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a5c4e5b elementor-widget elementor-widget-image\" data-id=\"a5c4e5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"640\" height=\"426\" src=\"https:\/\/almocon.de\/wp-content\/uploads\/2024\/09\/kfz-gutachter-berlin-amc-1-1024x681-1.jpg\" class=\"attachment-large size-large wp-image-2130\" alt=\"\" srcset=\"https:\/\/almocon.de\/wp-content\/uploads\/2024\/09\/kfz-gutachter-berlin-amc-1-1024x681-1.jpg 1024w, https:\/\/almocon.de\/wp-content\/uploads\/2024\/09\/kfz-gutachter-berlin-amc-1-1024x681-1-300x200.jpg 300w, https:\/\/almocon.de\/wp-content\/uploads\/2024\/09\/kfz-gutachter-berlin-amc-1-1024x681-1-768x511.jpg 768w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/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<div class=\"elementor-element elementor-element-fa4487d e-flex e-con-boxed e-con e-parent\" data-id=\"fa4487d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b83bb65 e-con-full e-flex e-con e-child\" data-id=\"b83bb65\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e62b884 elementor-widget elementor-widget-heading\" data-id=\"e62b884\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Fictitious settlement: template for a correct letter to the insurance company<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4511b6f elementor-widget elementor-widget-text-editor\" data-id=\"4511b6f\" 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<div class=\"fusion-text fusion-text-13\" style=\"transform: translate3d(0,0,0);\">An informal letter is sufficient to notify the other party&#8217;s insurance company of a fictitious settlement. If you have called in an expert, he will of course take care of the correspondence for you. The following wording has proved useful if you wish to have the accident damage paid out:  <\/div>\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-7109660 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"7109660\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-envelope-open-text\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M176 216h160c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16H176c-8.84 0-16 7.16-16 16v16c0 8.84 7.16 16 16 16zm-16 80c0 8.84 7.16 16 16 16h160c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16H176c-8.84 0-16 7.16-16 16v16zm96 121.13c-16.42 0-32.84-5.06-46.86-15.19L0 250.86V464c0 26.51 21.49 48 48 48h416c26.51 0 48-21.49 48-48V250.86L302.86 401.94c-14.02 10.12-30.44 15.19-46.86 15.19zm237.61-254.18c-8.85-6.94-17.24-13.47-29.61-22.81V96c0-26.51-21.49-48-48-48h-77.55c-3.04-2.2-5.87-4.26-9.04-6.56C312.6 29.17 279.2-.35 256 0c-23.2-.35-56.59 29.17-73.41 41.44-3.17 2.3-6 4.36-9.04 6.56H96c-26.51 0-48 21.49-48 48v44.14c-12.37 9.33-20.76 15.87-29.61 22.81A47.995 47.995 0 0 0 0 200.72v10.65l96 69.35V96h320v184.72l96-69.35v-10.65c0-14.74-6.78-28.67-18.39-37.77z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bed9894 e-con-full e-flex e-con e-child\" data-id=\"bed9894\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fbc189c elementor-widget elementor-widget-text-editor\" data-id=\"fbc189c\" 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><em>Dear insurance company [XYZ],<br><\/em><em>I would like to ask you to pay me the accident claim in accordance with the T\u00dcV S\u00dcD report.<br><\/em><em>My bank details:<\/em><br><em>Max Mustermann, IBAN [123456789], BIC [123ABCD]<br><\/em><em>Versicherungsnummer: [123456789]<br><\/em><em>Best regards and many thanks,<br><\/em><em>[Max Mustermann]<\/em><\/p>\t\t\t\t\t\t\t\t<\/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<div class=\"elementor-element elementor-element-377c13d e-flex e-con-boxed e-con e-parent\" data-id=\"377c13d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7ba400d e-con-full e-flex e-con e-child\" data-id=\"7ba400d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34effe9 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"34effe9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-creative-commons-nc-eu\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M247.7 8C103.6 8 0 124.8 0 256c0 136.3 111.7 248 247.7 248C377.9 504 496 403.1 496 256 496 117 388.4 8 247.7 8zm.6 450.7c-112 0-203.6-92.5-203.6-202.7 0-23.2 3.7-45.2 10.9-66l65.7 29.1h-4.7v29.5h23.3c0 6.2-.4 3.2-.4 19.5h-22.8v29.5h27c11.4 67 67.2 101.3 124.6 101.3 26.6 0 50.6-7.9 64.8-15.8l-10-46.1c-8.7 4.6-28.2 10.8-47.3 10.8-28.2 0-58.1-10.9-67.3-50.2h90.3l128.3 56.8c-1.5 2.1-56.2 104.3-178.8 104.3zm-16.7-190.6l-.5-.4.9.4h-.4zm77.2-19.5h3.7v-29.5h-70.3l-28.6-12.6c2.5-5.5 5.4-10.5 8.8-14.3 12.9-15.8 31.1-22.4 51.1-22.4 18.3 0 35.3 5.4 46.1 10l11.6-47.3c-15-6.6-37-12.4-62.3-12.4-39 0-72.2 15.8-95.9 42.3-5.3 6.1-9.8 12.9-13.9 20.1l-81.6-36.1c64.6-96.8 157.7-93.6 170.7-93.6 113 0 203 90.2 203 203.4 0 18.7-2.1 36.3-6.3 52.9l-136.1-60.5z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-26c3c78 e-con-full e-flex e-con e-child\" data-id=\"26c3c78\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8886856 elementor-widget elementor-widget-heading\" data-id=\"8886856\" 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<h2 class=\"elementor-heading-title elementor-size-default\">What can be reduced in the fictitious settlement?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b43b33 elementor-widget elementor-widget-text-editor\" data-id=\"2b43b33\" 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<div class=\"fusion-text fusion-text-6\"><div class=\"fusion-text fusion-text-7\"><p>Insurance companies are commercial enterprises that naturally only want to pay out just as much money as is absolutely necessary. Particularly in the case of abstract settlements, insurers very often try to dispute the amount of damage and the recoverability of the individual values. In particular, wages, transportation costs (e.g. to the paint shop or wheel alignment), painting costs, residual value, reduction in value and vehicle price mark-ups are typical damage items that regularly become the subject of dispute.  <\/p><p>An experienced motor vehicle expert such as AMC Gutachten (phone 03335 &#8211; 60 59 807) knows the tricks of the trade and will help you to assert your claims to the full extent. In the event of a dispute, we can also recommend an experienced lawyer for traffic law. <\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/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<div class=\"elementor-element elementor-element-e180cac e-flex e-con-boxed e-con e-parent\" data-id=\"e180cac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ebd9fea e-con-full e-flex e-con e-child\" data-id=\"ebd9fea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e1f40bb elementor-widget elementor-widget-heading\" data-id=\"e1f40bb\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Here are some examples of possible reductions:<\/h2>\t\t\t\t<\/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<div class=\"elementor-element elementor-element-6cd8563 e-flex e-con-boxed e-con e-parent\" data-id=\"6cd8563\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-79f8908 e-con-full e-flex e-con e-child\" data-id=\"79f8908\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ecb82ef elementor-widget elementor-widget-heading\" data-id=\"ecb82ef\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Residual value and depreciation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad8c294 elementor-widget elementor-widget-text-editor\" data-id=\"ad8c294\" 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<div class=\"fusion-text fusion-text-13\" style=\"transform: translate3d(0,0,0);\">These are often calculated lower by an insurance company expert than by an independent expert. Insist on your right to a neutral expert! <\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d4256c e-con-full e-flex e-con e-child\" data-id=\"3d4256c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-657f09c elementor-widget elementor-widget-heading\" data-id=\"657f09c\" 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<h2 class=\"elementor-heading-title elementor-size-default\">UPE surcharges<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09f5da2 elementor-widget elementor-widget-text-editor\" data-id=\"09f5da2\" 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>According to current case law, these price surcharges levied by the manufacturer on the recommended retail price (RRP) for spare parts are indeed billable &#8211; provided they are customary in the region of the injured party.<\/p>\t\t\t\t\t\t\t\t<\/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<div class=\"elementor-element elementor-element-2f542c7 e-flex e-con-boxed e-con e-parent\" data-id=\"2f542c7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b759767 e-con-full e-flex e-con e-child\" data-id=\"b759767\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-451b36c elementor-widget elementor-widget-heading\" data-id=\"451b36c\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Wages<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6359f0 elementor-widget elementor-widget-text-editor\" data-id=\"e6359f0\" 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<div class=\"fusion-text fusion-text-13\" style=\"transform: translate3d(0,0,0);\">The expert calculates this using the hourly rates of a brand workshop. The insurance company refers to the obligation to minimize the damage and only wants to reimburse the (cheaper) repair at an independent garage. However, if your vehicle is less than 3 years old and has a checkbook, you are entitled to have it repaired at a brand-name repair shop.  <\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-894f729 e-con-full e-flex e-con e-child\" data-id=\"894f729\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-26f0a88 elementor-widget elementor-widget-heading\" data-id=\"26f0a88\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Transportation costs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0da8e94 elementor-widget elementor-widget-text-editor\" data-id=\"0da8e94\" 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>Transportation costs are also often the subject of dispute between the injured party and the insurance company. These costs are incurred if the accident vehicle has to be transported from the workshop to the wheel alignment or paint shop, for example. These costs can not only be settled if they are actually incurred, they can also be fictitious.  <\/p>\t\t\t\t\t\t\t\t<\/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<div class=\"elementor-element elementor-element-c2c3fe7 e-flex e-con-boxed e-con e-parent\" data-id=\"c2c3fe7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4277b7e e-con-full e-flex e-con e-child\" data-id=\"4277b7e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d7a7ada elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"d7a7ada\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-lightbulb\" viewBox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M96.06 454.35c.01 6.29 1.87 12.45 5.36 17.69l17.09 25.69a31.99 31.99 0 0 0 26.64 14.28h61.71a31.99 31.99 0 0 0 26.64-14.28l17.09-25.69a31.989 31.989 0 0 0 5.36-17.69l.04-38.35H96.01l.05 38.35zM0 176c0 44.37 16.45 84.85 43.56 115.78 16.52 18.85 42.36 58.23 52.21 91.45.04.26.07.52.11.78h160.24c.04-.26.07-.51.11-.78 9.85-33.22 35.69-72.6 52.21-91.45C335.55 260.85 352 220.37 352 176 352 78.61 272.91-.3 175.45 0 73.44.31 0 82.97 0 176zm176-80c-44.11 0-80 35.89-80 80 0 8.84-7.16 16-16 16s-16-7.16-16-16c0-61.76 50.24-112 112-112 8.84 0 16 7.16 16 16s-7.16 16-16 16z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8c0e076 e-con-full e-flex e-con e-child\" data-id=\"8c0e076\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e834f13 elementor-widget elementor-widget-heading\" data-id=\"e834f13\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Good to know:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed6ca04 elementor-widget elementor-widget-text-editor\" data-id=\"ed6ca04\" 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<div class=\"fusion-text fusion-text-6\"><div class=\"fusion-text fusion-text-7\">If you have repaired your accident-damaged vehicle yourself and can submit a confirmation of repair to the insurance company, it is often possible to claim for previously reduced items from the expert report.<\/div><\/div>\t\t\t\t\t\t\t\t<\/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<div class=\"elementor-element elementor-element-4abf257 e-flex e-con-boxed e-con e-parent\" data-id=\"4abf257\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-53867af e-con-full e-flex e-con e-child\" data-id=\"53867af\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e88f441 elementor-widget elementor-widget-heading\" data-id=\"e88f441\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12a44eb elementor-widget elementor-widget-text-editor\" data-id=\"12a44eb\" 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<div class=\"fusion-text fusion-text-6\"><div class=\"fusion-text fusion-text-7\">Each case must be considered individually and requires individual advice and procedures. Simply make use of our expert help. <\/div><\/div>\t\t\t\t\t\t\t\t<\/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<div class=\"elementor-element elementor-element-711d16e e-flex e-con-boxed e-con e-parent\" data-id=\"711d16e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5ee9f2b e-con-full e-flex e-con e-child\" data-id=\"5ee9f2b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-801f135 elementor-widget elementor-widget-heading\" data-id=\"801f135\" 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<h2 class=\"elementor-heading-title elementor-size-default\">We are your partner in the event of a claim<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b751528 elementor-widget elementor-widget-text-editor\" data-id=\"b751528\" 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 In many cases, paying out the amount of damage by means of a fictitious settlement can be a worthwhile alternative to repairs at a specialist garage. However, it is important to be aware of legal pitfalls, local peculiarities and attempts by insurers to reduce the amount. It is advisable to rely on the specialist advice of certified experts AMC Gutachten in order to assert your claims <strong>easily, safely and without worry<\/strong>. Write to us (info@amc-gutachten.de) or call us (03335 &#8211; 60 59 807), we will be happy to provide you with practical and transparent advice on your options and handle the entire claims process for you.   <\/p>\t\t\t\t\t\t\t\t<\/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>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Fictitious settlement &#8211; how to get an accident claim paid out Do I have to have my car repaired after an accident? No, not necessarily. Instead, it is often advantageous to have the liability claim paid out by means of a fictitious settlement. But when exactly is this worthwhile? And what should I bear in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2302,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2292","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Fictitious settlement - ALMOCON<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/almocon.de\/en\/services\/advisor\/fictitious-settlement\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fictitious settlement - ALMOCON\" \/>\n<meta property=\"og:description\" content=\"Fictitious settlement &#8211; how to get an accident claim paid out Do I have to have my car repaired after an accident? No, not necessarily. Instead, it is often advantageous to have the liability claim paid out by means of a fictitious settlement. But when exactly is this worthwhile? And what should I bear in [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/almocon.de\/en\/services\/advisor\/fictitious-settlement\/\" \/>\n<meta property=\"og:site_name\" content=\"ALMOCON\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-22T12:48:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/almocon.de\/wp-content\/uploads\/2024\/09\/unfallschaden-fiktiv-abrechnen.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"750\" \/>\n\t<meta property=\"og:image:height\" content=\"563\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/almocon.de\\\/en\\\/services\\\/advisor\\\/fictitious-settlement\\\/\",\"url\":\"https:\\\/\\\/almocon.de\\\/en\\\/services\\\/advisor\\\/fictitious-settlement\\\/\",\"name\":\"Fictitious settlement - ALMOCON\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/almocon.de\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/almocon.de\\\/en\\\/services\\\/advisor\\\/fictitious-settlement\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/almocon.de\\\/en\\\/services\\\/advisor\\\/fictitious-settlement\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/almocon.de\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/unfallschaden-fiktiv-abrechnen.jpg\",\"datePublished\":\"2024-09-10T08:46:31+00:00\",\"dateModified\":\"2025-07-22T12:48:45+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/almocon.de\\\/en\\\/services\\\/advisor\\\/fictitious-settlement\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/almocon.de\\\/en\\\/services\\\/advisor\\\/fictitious-settlement\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/almocon.de\\\/en\\\/services\\\/advisor\\\/fictitious-settlement\\\/#primaryimage\",\"url\":\"https:\\\/\\\/almocon.de\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/unfallschaden-fiktiv-abrechnen.jpg\",\"contentUrl\":\"https:\\\/\\\/almocon.de\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/unfallschaden-fiktiv-abrechnen.jpg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/almocon.de\\\/en\\\/services\\\/advisor\\\/fictitious-settlement\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Startseite\",\"item\":\"https:\\\/\\\/almocon.de\\\/en\\\/home-page\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Services\",\"item\":\"https:\\\/\\\/almocon.de\\\/en\\\/services\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Advisor\",\"item\":\"https:\\\/\\\/almocon.de\\\/en\\\/services\\\/advisor\\\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Fictitious settlement\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/almocon.de\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/almocon.de\\\/en\\\/\",\"name\":\"ALMOCON\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/almocon.de\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/almocon.de\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/almocon.de\\\/en\\\/#organization\",\"name\":\"ALMOCON\",\"url\":\"https:\\\/\\\/almocon.de\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/almocon.de\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/almocon.de\\\/wp-content\\\/uploads\\\/2024\\\/05\\\/Almocon_Icon.png\",\"contentUrl\":\"https:\\\/\\\/almocon.de\\\/wp-content\\\/uploads\\\/2024\\\/05\\\/Almocon_Icon.png\",\"width\":120,\"height\":120,\"caption\":\"ALMOCON\"},\"image\":{\"@id\":\"https:\\\/\\\/almocon.de\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Fictitious settlement - ALMOCON","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/almocon.de\/en\/services\/advisor\/fictitious-settlement\/","og_locale":"en_US","og_type":"article","og_title":"Fictitious settlement - ALMOCON","og_description":"Fictitious settlement &#8211; how to get an accident claim paid out Do I have to have my car repaired after an accident? No, not necessarily. Instead, it is often advantageous to have the liability claim paid out by means of a fictitious settlement. But when exactly is this worthwhile? 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