We had a self-inflicted accident, all-inclusive insurance. We have not yet received expert reports in writing, the figures are from telephone calls with damage processing. WBW: 14.500,- Repair costs: 9.000,- Rest of value according to the balance exchange: 6.290,- I am a little confused, the damage manager has told something about the possibility of billing as total damage, but according to the pure figures it does not seem to be a total damage. be, since repair < WWW? Or are there any other rules? On request I did not get a clear statement. In case of total damage we have in the contract replacement of new values within 24 months, or refund used car purchase price within 12 months. Car was daily registration, which we bought directly from the dealer, purchase price 16.000,-. Accident happened 11.5 months after first registration (day registration). Total damage would therefore actually be the most unfavourable for the insurance company or am I wrong here?