hello first of all to all in the motor talk forum, have the following problem… a colleague of mine left a heavy scratched water canister on my bonnet (VW Golf 3) about 10 days ago, which then left a damage in the amount of 760E grosso(636netto) by several scratchers. had a cost estimate created by a vw workshop and wanted to let me pay the money. now his r+v insurance representative means that I have a cost calculation would need and I can’t have the money paid out, so the net amount can’t be paid out because it’s a private liability damage. my knowledge, however, I have a claim on it or not ??? thank you