Hi, last week I got a scooter into my car (Smart 450, BJ2006). Guilt question is 100% clear. I had a KVA done. Result approx. 1280 gross. Opponential insurance has released the reperature. Since I am a screwdriver I want to do everything myself and would like to have the damage paid out. Then the opposing insurance offered me approx. 800. On the VAT I have to vetch, that I know. but the 800 are approx. 75% of 1080 net KV A. Insurance said she had found a workshop with a lower hourly wage in my environment that makes it “equal”. I then called and said that I did not agree to it… The KVA is accepted, but if it is about paying out is traded… If you want to use an expert now, the insurance said that would make no sense because a KVA is available. They would not pay the expert. Now I stand before the decision either the 80 0 euro to take or get repaired. Or of course an expert report and argue with the insurance. Hope you can give me some advice! Makes sense now? Who pays the expert report? What would you do? Thank you for your help, Jan