I hope one of you can help me, because the search did not throw out anything.. In a parking lot someone drove me against the bumper. The insurance was notified and agreed to take over the damage. At the same time I got a good offer for the M sports package – so did not want a repair but instead rather money for the new purchase. I obtained an estimate from BMW , which amounts to net about 600 EUR + VAT. lies d he sum at approx. 720 EUR. At the request of the insurance I mailed the estimate, as well as pictures. I was told that a settlement on the basis of the estimate would not be a problem. (= net price of the estimate) So I assumed from approx. 600 EUR. Now, after Easter, I get mail from the insurance. There has been an examination based on the pictures and the estimate. The initial calculation was corrected independently and now results sic h a total of 380 EUR net (incl. expenses) among other things the transfer from BMW dealer to paintr was set from 95 EUR to 0 EUR ! That is, the insurance simply took other hourly invoice rates and tries to press the sum. again: There was no expert here, the sum was calculated based on the pictures and regional hourly invoice rates. An absolute impudence to assure me at first a bit and then later to turn the facts upside down ! e Questions that arise from this: – Can the insurance simply calculate “from the office chair” from a different amount than a BMW dealer ? – Would I be entitled to a rental car for the duration of the repair ? – did you also experience something like that or tips for me ? I would be very pleased if you have any tips, since unfortunately I don’t have a lot of idea about insurance questions. Thank you, Gruss Moritz