The costs and benefits of a motor vehicle appraiser!

After a traffic accident, disputes often arise between the parties involved. One of the most common reasons for such a dispute is the exact course of the accident and thus the question of who is to blame. The scope and costs of the damage incurred can also be unclear at first glance. In this case it is advisable to have a Motor vehicle appraiser or motor vehicle expert to consult. This can through the Insurance, court or also through the injured party get the job yourself. An expert is able to quantify accident damage and to reconstruct the course of events due to his special expertise. There are also other areas of application. Many vehicle appraisers earn their money by reconstruct accidents and assess the damage caused. If the question of guilt is unclear, courts or insurance companies can commission such an expert opinion, as they often have neither the time nor comparable expertise. Together with those involved, he recreates the accident at the "original scene" and uses sketches, videos and photos to prepare a precise analysis of what happened. This also includes measurements and the consideration of other factors, such as the weather. Then he writes in independent analytical opinion, which ideally shows the course of the accident and the damage caused.

The benefit of the appraiser!

The opinion of an expert has in court high evidentiary value regarding the course of the accident. Insurance companies protect themselves by determining the extent to which they are obliged to pay compensation and how much they have to pay to the injured party. The victims of an accident can also hire an appraiser to determine the cost of repairing the vehicle. For this purpose, the expert documents the damage and secures the evidence in order to be able to prove all claims in court in case of doubt. Another field of activity for motor vehicle appraisers is the evaluation of Used, leased or vintage vehicles. For example, he can determine the exact (historical) value of a classic car and assess its condition. Such a Expert opinion is necessary for a car than historic vehicle is recognized. The valuations On the other hand, it is necessary to prove that the vehicle is in perfect condition in the event of damage.

A motor vehicle appraiser ensures equal opportunities in the event of a dispute with the opposing insurance company!

In the event of an accident, the insurance company of the person who caused the accident usually tries to take over the case as quickly as possible in order to reduce the costs as much as possible. This can result in the injured party being left with part of the damage. In the case of damage involving a damage sum of exceed 750 euros, the injured party is allowed by law to appoint their own expert. The insurance company of the person who caused the accident bears the costs.

This ensures equal opportunities between the conflicting parties. After all, in most cases, the insurance company initially has the edge due to its great expertise in handling motor vehicle claims. Upon request, the appraiser will inspect the damage at the place of residence of the injured party and prepare an expert opinion that, if necessary, can also be examined in court should there be a legal dispute with the opposing insurance company. He quantifies all costs that are necessary to restore the vehicle to its original condition. This also includes the realistic costs for special parts such as Spoilers or expensive rims.

When assessing the damage, the appraiser assumes that the damage has been repaired in an authorized or branded workshop. The insurer must bear these costs.

For professional reasons, it may be that the injured party a rental car for the duration of the repair. The appraiser includes these additional costs in his report and claims them against the insurance company. Also loss of use and the loss in value of the accident car should be included in the report. At a write-off the appraiser determines the residual and replacement value of the vehicle. Many appraisers also offer full settlement of the damage. In this way, those affected do not have to deal with the opposing insurance company.

Appraisals for classic cars and other vehicles

For classic car enthusiasts, there can be nothing worse than an accident involving their favorite expensive vehicle. Opposing insurance companies often try here not the actual value of the vehicle as a basis for assessment, but instead base the regulation on the usual market prices for comparable vehicles. This can mean an enormous loss in value, especially for vehicles produced in large numbers. With a Classic car report is this asset before the accident secured accordingly. The chances that the value determined by the appraisal prepared before the accident will be paid are much higher than without such an appraisal. The downside is that such an opinion must be paid out of pocket.

Anyone who is involved in an accident through no fault of their own and is therefore entitled to compensation from the opposing insurance company bears the costs for an expert opinion not yourself. An exception arises when the damage under the de minimis limit of 750 euros remains. In this case, the insurance company can refuse to pay for the expert opinion. In this case, however, the damage caused can be caused by a Workshop estimate be detected. This is often the case with superficial damage such as scratches or paint chips. If, on the other hand, there is a risk of damage to the vehicle structure (damaged or warped), an expert should always be consulted.

Good to know: The price for such an appraisal depends on the amount of damage. The higher the damage found on the vehicle, the more money the appraiser receives.

Car appraisal price

The costs for an appraiser are calculated as a percentage of the amount of damage. In the case of damage of 1.500 euros, the appraiser receives 525 Euros, i.e. 35% of the damage sum. However, due to rising costs for the settlement of claims, the percentage is decreasing more and more. For example, at 20.000 euros there is only damage 7,5%, at comprehensive damage an expert opinion, on the other hand, works differently. Here lets first the insurance prepare an appraisal. If the expectations of the insured are not met, they can still have their own appraiser expert procedure commission and a chief assessor ultimately decides which report is more plausible. The costs for this can often be Legal expenses insurance to be paid.

Vintage and used car appraisals

When it comes to the cost of a valuation report for used, leased or vintage vehicles, the Expenditure essential. Classic car appraisals are correspondingly expensive because they require a lot of specialist knowledge about the respective car and its history. The average price for this is around 500 Euros. With particularly expensive cars, on the other hand, he can also be fast four digits fail.

Tips for hiring a motor vehicle appraiser

After an accident, the appraiser should be elected independently. Recommendations from the opposing insurance company should be ignored. In the case of comprehensive damage, you should only commission your own appraiser if the insurance company's offer is clear is too low. Otherwise, the risk of having to bear the costs yourself is often too high. Owners of a classic car should evaluate the value of the vehicle with a Classic car report get secured. Otherwise there may be unpleasant surprises in the event of damage.

And finally ... Those injured in a traffic accident should be sure use the services of a motor vehicle appraiser. This can assess the damage neutrally and impartially and has no financial interests. So he doesn't try to cut costs, as the opposing insurance company might think. Also a lawyer for traffic and insurance law should be consulted in order to assert one's own interests against the insurance company.

Of course, that wasn't the end of it.

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