Good evening. Had an accident with total damage and the repair costs according to the report are more than 130% above the replacement value. I therefore want to calculate on an expert report basis, i.e. replacement value minus residual value and then have the car “privately” repaired nevertheless. Question: I don’t have to report that to the opposing insurance somehow, right? I mean, I can decide to settle on an expert report basis and what I do with the car is my thing. Right? Thank you Good evening to you.