Experiences with HDI as a victim – do I have to consider what?

Hello, I had already written in the Punto Forum, one of us drove on our parked car and has caused a “eigtl.” Total damage, the liability is clear, according to HDI KV from the Fiat AH I submitted, but they want an expert report, the expert I ordered and he was there this morning, the values I get tomorrow or Wednesday. Now I have read much neg. about the HDI, now totally shot that they pull everything into the length. How are your experiences? Or should I immediately a I’ve heard that they always make a counter-assessment? LG Curly