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UNFALLNAVI- 
CLAIMS SETTLEMENT 
NEW THOUGHT

Are insurance companies still cutting your fee? 
Then you are not yet exhausting the case law of the BGH on expert risk! 

Implementation is also child's play for your SV office...
The expert risk (FINALLY) turns the tables!
from the SV risk:
Until now, SV has had to defend itself against fee cuts in a costly and time-consuming manner.
With SV risk:
SV fees are paid in full - insurers have to chase the money.
Table of contents:
1 When and how does the expert risk apply? 2 How does the claims settlement process work with SVRisiko?
3. is there a risk of reclaiming SV fees?4 How likely is it that insurers will enforce a repayment? 5. what adjustments are necessary in your SI office in order to apply the SI risk safely? 6 How to deal with insurers who illegally defend themselves against the SI risk?7. can old claims be asserted retroactively? 8 How can your lawyer or UNFALLNAVI provide you with optimum support?
You should not miss this:
Secure your place in the exclusive webinar - Maximize your fee with the expert risk!
At March 28, 2025 17:00 you will have the unique opportunity to learn all about expert risk directly from our top lawyers and experts - and how you can use it safely and profitably in your insurance office.
In this live webinar, we will go into great detail and answer all your questions:

🔹 Exclusive live Q&A session: Ask our experts your individual questions directly!

🔹 Practical case studies & best practices: Learn from real cases and avoid typical mistakes.
Register now - limited places!
Use this opportunity to make your SV office more profitable and legally compliant.
Don't miss the chance to finally take full control of your fees - on March 28, 2025 17:00 we will show you how!
When and how does the expert risk apply?
The expert risk ensures that your full fee is paid - without reductions, without discussions. For this to work, a few clear conditions must be met:
Injured party's payment instruction to the insurance company - The injured party specifies that the insurance company should pay your invoice directly.
No obvious overcharging - The appraisal costs must be within a normal range.
Assignment of possible recourse claims step by step - If the insurance company is of the opinion that your fee is too high, it can clarify this directly with you as the expert - the injured party is out of the game!
No declaration of assignment to the insurance company - The injured party does not transfer his claim for compensation to the expert.
What does that mean for you?
You receive your full fee - securely and without renegotiation! 
The insurer has to deal with any recourse claims itself - not you! No disputes with customers, as they are not financially burdened.
How does the claims settlement process with SVRisiko work?
With the expert risk, the tables are finally turned: you receive your full fee - and the insurance company has to chase the money! The procedure is very simple:
1
Payment instruction to the insurance company
The injured party - or his lawyer or UNFALLNAVI - expressly requests the insurance company by payment order (no assignment!) to pay the expert's invoice in full and directly to the expert. This clearly refers to the expert's risk.
2
Typical refusal by the insurance company
In practice, insurers often refuse to pay in full - unless they receive a step-by-step assignment of possible recourse claims of the injured party against the expert (as required by the BGH).
3
Assignment of recourse = full payment
As soon as the insurance company receives this step-by-step assignment, it pays the insurance company's invoice in full and directly. The expert receives his money - quickly, securely and without deductions!
4
The insurance company has to chase the money
If the insurance company is of the opinion that it has paid too much, it must take action itself and take direct action against the expert - not against the injured party. This overrides the insurer's usual reduction mechanism.
What does that mean for you?
No payment risk - your fee is reimbursed in full and directly.
No dispute with customers - The injured party is not involved in a legal dispute.
Insurance companies must take care of themselves - the cutback strategy no longer works!
Is there a risk of reclaiming SV fees?
In principle, yes - even if insurers pay the fee in full, some large companies have now set up their own recourse departments to recover the money from experts afterwards.
Payment instruction to the insurance company
The injured party - or his lawyer or UNFALLNAVI - expressly requests the insurance company by payment order (no assignment!) to pay the expert's invoice in full and directly to the expert. This clearly refers to the expert's risk.
Typical refusal by the insurance company
In practice, insurers often refuse to pay in full - unless they receive a step-by-step assignment of possible recourse claims of the injured party against the expert (as required by the BGH).
Legally compliant contract drafting: If your contract texts and processes are watertight, you can reject reclaims with a clear conscience.
Clear documentation & legal protection: Those who implement the SI risk correctly do not give insurers a target for recourse claims.
Use expert knowledge: UNFALLNAVI and its lawyers will help you to position yourself in the best possible way and to defend yourself against claims.

What does that mean for you?
Full payment security if you rely on the right implementation.
No stress with reclaims if your processes are legally sound.
Competitive advantage over other SI offices that do not provide sufficient security.
Secure your place in the exclusive webinar - Maximize your fee with the expert risk!
At March 28, 2025 17:00 you will have the unique opportunity to learn all about expert risk directly from our top lawyers and experts - and how you can use it safely and profitably in your insurance office.
In this live webinar, we will go into great detail and answer all your questions:

🔹 Exclusive live Q&A session: Ask our experts your individual questions directly!

🔹 Practical case studies & best practices: Learn from real cases and avoid typical mistakes.
Register now - limited places!
Use this opportunity to make your SV office more profitable and legally compliant.
Register now for a free webinar
Don't miss the chance to finally take full control of your fees - on March 28, 2025 17:00 we will show you how!
How likely is it that insurers will enforce a repayment?
The insurers' chances of success in enforcing repayments in court decrease considerably if experts use legally secure contract texts and processes.
High risk without clear price agreements
Those who do not reach a proper price agreement with their customers and do not structure their contractual processes properly are exposing themselves to considerable risk. In such cases, courts would estimate the necessary expert costs according to "local custom" - and this is precisely where the problem lies:
There is no uniform case law on what is "customary in the locality".
Many courts tend to set significantly lower fees.
Without clearly defined contractual bases, insurers could successfully enforce repayments in court.
Minimal risk with solid contract structures
However, those who conclude clear price agreements with their customers and use well-structured contract processes can protect themselves legally:
Judges must take price agreements into account - because experts are independent contractors and are allowed to determine their own prices.
No recourse to "customary local" costs - as the contract between the SV and the client contains a clear definition of fees.
Significantly reduced points of attack for insurers - a reclaim becomes almost hopeless.
Conclusion?
If you structure your processes and price agreements properly, there is hardly any risk of reclaims - and full payment security!
What adjustments are necessary in your SI office in order to apply the SI risk safely?
To ensure that the expert risk functions smoothly and that you receive your fee in full and without any reductions, a few important adjustments should be made in your SI office.
1
Payment order instead of declaration of assignment
The injured party must instruct the insurance company by payment order to pay the invoice directly to the expert - no declaration of assignment! This ensures that the obligation to pay remains clearly with the insurance company.
2
Anticipated assignment of recourse by the customer
Many insurers refuse to pay unless they receive an assignment of subrogation from the injured party. To avoid delays, the assignment of recourse should be properly arranged in advance - then the insurance company must pay immediately.
3
Clear price agreement - also for ancillary costs
A clear and legally compliant price agreement is essential to avoid discussions later on. This applies not only to the basic fee, but also to ancillary costs, which are often the subject of dispute.
4
Clean contract processes
Even the best price agreement can be worthless if the contract was not concluded correctly. Missing signatures, incorrect clauses or contradictory wording are classic points of attack for insurers. Clean contract processes are therefore a must!
UNFALLNAVI offers the perfect solution!
Our digital and legally compliant tool provides you with a simple and secure solution that covers all these points:
Digital payment instruction & contract processes
Automatic assignment of recourse for immediate payment
Watertight price agreements - incl. ancillary costs
Easy to use - safe, fast & transparent
How to deal with insurers who illegally defend themselves against the SI risk?
In principle, insurers who refuse to recognize the expert risk should be the exception and not the rule - provided that the lawyer or a partner such as UNFALLNAVI knows the legal framework and implements it correctly.
What happens if an insurance company refuses anyway? In practice, there are surveyor's offices that have both a payment order and an assignment signed so that the assignment can be used retrospectively in an emergency.
Caution: This concealed assignment is not unproblematic from a legal point of view and may be contestable under certain circumstances!
The better alternative: The UNFALLNAVI solution
Appeal to the "circumstantial effect"
UNFALLNAVI acts directly on behalf of the experts and uses legal evidence to hold the insurer accountable.
Reduction takeover by UNFALLNAVI
If an insurance company still refuses to pay, UNFALLNAVI offers a unique solution:
Once the expert costs have been paid, UNFALLNAVI can buy out the reduction and enforce the outstanding amounts directly against the insurance company.
This leaves the SV office worry-free and risk-free, as UNFALLNAVI takes care of enforcing the claim.
What does that mean for you?
No hidden legal risks for your SV office!
No financial disadvantage for you - your fee remains in full!
The insurance company must deal directly with UNFALLNAVI!
Can old claims be asserted retroactively?
Many experts ask themselves whether fee claims that have already been reduced or not paid can be asserted retrospectively by SVRisiko. The answer: Yes - under certain conditions!
The problem is that the SI risk does not apply if the injured party has assigned his claim for reimbursement to the expert. But there is a powerful solution: reassignment!
How does reassignment work?
The reassignment of the claim to the original injured party leads to the revival of the SI risk. As a result, the claim is again viewed from the perspective of the injured party - and thus falls under the expert risk again.
Legal basis: The ruling from Solingen confirms admissibility! 
(Solingen District Court, 28.10.24, 13 C 113/23)

According to the ruling, the reassignment is a legally permissible disposal transaction and in no way immoral (Section 138 BGB), vexatious (Section 226 BGB) or otherwise legally questionable. The decisive factor is:
The injuring party (i.e. the insurance company) remains responsible for the expert risk.
The injuring party does not suffer any disadvantage as long as the injured party assigns potential claims for compensation against the SI to the insurance company.
There is no risk of a double claim, as the reassignment only takes place in order to enforce the claim in a legally correct manner.
Conclusion:
Old, reduced claims can be reasserted by reassignment!
Insurers have no valid arguments to defend themselves against this settlement.
The SI risk remains effective - even retroactively, if the right strategy is applied.
How can your lawyer or UNFALLNAVI provide you with optimum support?
To ensure that the SI risk is applied safely and effectively, you need a strong partner who knows the legal intricacies inside out and offers customized solutions. A specialized lawyer or legal service provider, such as UNFALLNAVI, can support experts on crucial points:
Legally compliant application of the SV risk
A partner specializing in traffic and damage law should:
Know the requirements of the SV risk precisely and implement them correctly
Confront insurers in a targeted manner and consistently fend off cutbacks
Providing efficient processes for the rapid enforcement of claims with the SV risk
Digital support from UNFALLNAVI
UNFALLNAVI has developed its own tool that:
All relevant legal requirements automatically integrated
Digitally maps and secures legal texts and contract processes
Digitally simplifying the entire process from payment instruction to enforcement
Conclusion:
With the right legal support, you can safely apply the SVRisk.
Avoid reclaims by optimizing your contract structures.
Use UNFALLNAVI's digital solutions for maximum efficiency and legal certainty!
Secure your place in the exclusive webinar - Maximize your fee with the expert risk!
At March 28, 2025 17:00 you will have the unique opportunity to learn all about expert risk directly from our top lawyers and experts - and how you can use it safely and profitably in your insurance office.
In this live webinar, we will go into great detail and answer all your questions:

🔹 Exclusive live Q&A session: Ask our experts your individual questions directly!

🔹 Practical case studies & best practices: Learn from real cases and avoid typical mistakes.
Register now - limited places!
Use this opportunity to make your SV office more profitable and legally compliant.
Register now for a free webinar
Don't miss the chance to finally take full control of your fees - on March 28, 2025 17:00 we will show you how!
The impressive results of the expert risk at UNFALLNAVI
Numerous expert offices have already successfully integrated SVRisk into their practice with UNFALLNAVI - and the results speak for themselves:
104 experts already rely on our solutions and benefit from securely paid fees.
716 cuts successfully fended off - insurers had to drop their cuts!
124,029 € additional payments enforced before court - without long processes, without stress!
17.6 days average settlement time - faster to your full fee!
More security. More fees. Less stress.
No longer allow insurers to determine your remuneration. Take advantage of the expert risk and get what you are entitled to!
Practical experience - What experts say about the SI risk with UNFALLNAVI
Mario Tassone, Experts24 Tassone GmbH:
"Thanks to UNFALLNAVI, the constant battle against fee cuts is a thing of the past. With SVRisiko, we finally receive our full fee - quickly and reliably. I was particularly impressed by the online portal: it is intuitive, transparent and shows us the processing status in real time. This means we always have an overview and save an enormous amount of time."
Mehmet Altuntas, appraiser WB:
"Not only has the SVRisk via UNFALLNAVI revolutionized our SV office, but our customers are also delighted! Settlement is much faster, everything is transparent and comprehensible - exactly what customers want. And the customer service? Top! Friendly, competent and always ready with a solution. I can only recommend every expert to take advantage of this opportunity!"
Marco Koch, Koch Sachverständige GbR:
"For us, SVRisiko was an absolute game changer. We used to have to deal with endless discussions and unjustified reductions - that's now a thing of the past! With UNFALLNAVI, settlement runs smoothly and securely, and we receive our fee in full. I particularly appreciate the speed and transparency of the solution - a real advantage for any SI office!"
Secure your place in the exclusive webinar - Maximize your fee with the expert risk!
At March 28, 2025 17:00 you will have the unique opportunity to learn all about expert risk directly from our top lawyers and experts - and how you can use it safely and profitably in your insurance office.
In this live webinar, we will go into great detail and answer all your questions:

🔹 Exclusive live Q&A session: Ask our experts your individual questions directly!

🔹 Practical case studies & best practices: Learn from real cases and avoid typical mistakes.
Register now - limited places!
Use this opportunity to make your SV office more profitable and legally compliant.
Register now for a free webinar
Don't miss the chance to finally take full control of your fees - on March 28, 2025 17:00 we will show you how!
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