Hello, unfortunately my thread was closed because there other users got into the hair and had a bad conversation, therefore I open another thread and ask everyone to stay as objective as possible, especially without insults, otherwise my thread will be shut down again very quickly. 🙂 Well, there was an accident on 6.12.2013, someone drove me into the back door on the right. Opponent of the accident was to blame, it is also in the police report. Now my Au but to just under 14 years old and I don’t think it’s economical to replace the door. So I telephoned with the opposing insurance, on the phone the residual value or replacement value of my car was estimated directly (about 1500-2000€) and I was told that up to about 1,500€ a KVA reaches from a workshop. So I took a holiday and drove to Renault, got a KVA and this amount is about 1517€, without VAT it is 1275€, which would be the amount that I would have to pay if I did not want to repair. Now I have communicated this to the insurance company and as an answer then suddenly came that one would like to have a car expert. Are these common procedures? I mean, if I now add an independent expert, it certainly costs 200-300€ again. In the end it will probably also determine the same amount. In the end, the experts must also no Is it possible to negotiate in case of doubt, ala, “Pay me only 1000€ and I spare myself the stress with further appointments etc.”? Furthermore, I have a question: From the DirectLine I was offered that they send an expert, but time and again one reads that one should consult an independent expert, which naturally involves more effort, because the insurance experts usually act partisanly. Is that so? Is there E Is there a risk of this insurance in particular?