Just to the background: My brother drives my little one while I am on winter vacation. Was in March, so a while ago. He drives from his underground garage into a 10km/h zone and is shaved by a vehicle that drives to the 50km/h at the front. It comes to the agreement of the mutual partial debt. So everyone pays their damage. I assumed that once, let’s say it that way. My damage amounted to so 2,500 Eur, so aprons, headlights etc… I then have to pay this once in cash. But now I ask the insurance company at the end of the year to look at what happened and what it costs me. And look, the insurance company has reported their damage to me and demands of my liability that it jumps in. Of course they did this, because it is probably so common. But now I have asked what I have to do with the liability of my opponent in the calculation. I don’t want to be upgraded in civil liability if only the other one has something of it. Things are going on now, like usage failure, expenses (telephone etc.) and the excess. Since the year is now approaching the end I have to hurry up a bit. Do you know what else you can specify and above all what can I calculate for my Z4 M (E85) for the usage failure in one week?