Good evening together, I had an accident a few months ago. About the annual insurance letter I learned that I bear the full debt and are correspondingly higher graded, from SF1 to the SF S. I am with the Admiraldirekt. Previously I had telephoned the Admiraldirekt inquired how high the damage amount is and what their calculator says, whether I pay the damage myself or have it covered by the insurance. Now the computer part: I would have to pay 1290€ for I am currently in the SF1 and pay 640€ per year. Next year I would be in the SF2 and would pay 590€. With the upcoming SF S I would pay about 97€ next year. The lady at the admiral told me that up to 1250€ damage would be worth paying for myself. However, the calculation is not exactly because she does not know how the prices will change in the coming years. In the same way, however, it was said that if I would pay the opponent’s vehicle. I will be reclassified to the SF1 for 2017. Nevertheless, she recommends that I pay for the damage from my own pocket. Do I stand on the hose and forget something or do they want to drag me over the table? It would be much more sensible to cover the damage from the insurance?