The opposing insurance company, i.e. the insurance company of the person who caused the damage, must compensate you for the damage if you are not at fault. In this case, your own liability insurance has nothing to do with the settlement of the damage.

The person who caused the accident must report the damage to their own insurance company. This means that as the injured party, you do not have to report the damage to your own insurance company or to the opposing insurance company. There is often a myth that the injured party must also report the damage to the opposing insurance company as soon as possible. This is wrong and the insurance company wants to secure the first contact with the injured party in order to then manage the damage in a cost-effective way. After the damage has been reported to the opposing insurance company by the person who caused the damage, you should calculate the damage and file your claim with the opposing insurance company.

The safest way to report the damage is by means of a letter of claim in which all your claims are formulated in a legally secure manner with the opposing insurance company. A letter of claim can be prepared by a lawyer or your consumer protection experts from UNFALLNAVI, who will work for you completely free of charge. Under no circumstances should you call the insurance company on your own, because if you report claims incorrectly or forget to report claims, it will cost you money.

The best way to prove the damage is to obtain an expert opinion from a neutral and independent motor vehicle expert. An expert opinion includes photographs and checks the causality and plausibility of the damage, which makes it perfect for proving the damage. In addition, the expert opinion determines the amount of damage to be reimbursed by the opposing insurance company.

Insurance companies are commercial enterprises. This means that the economic success of an insurance company is greater if the insurance company pays out fewer claims. So the insurance company's interest is to pay out as few claims as possible. Insurance companies regularly run cutback strategies and loss control campaigns with the aim of reducing the amount of claims.

In the case of unjustified reductions, you should not waive your right to the outstanding money. You should take action against these reductions with legal professionals and demand payment from the insurance company with legally secure arguments and references to current court rulings. If the insurance company continues to refuse to pay, you should take legal action to enforce your rights.