Have two short questions, where at least one is so special that I could not find anything: In one night my vehicle was stolen “something” (mirror, fog lights) and the disc was tried to hit. As if that is not bad enough, the one (or someone else) still drove by the complete driver side with a vehicle. Police investigated, but there is little hope – expert of the insurance was already there. TK and a VK-damage is… Only it really is? Just want to be sure – has a deductible for both. Will probably have to pay for the two damages in each case, right? It can’t be said if there were two separate events…if that is relevant. My second question: The evaluator (DEKRA) determined an average value of approx. 11,000 euros for the car – damage is probably about 5,500 euros and that then exceeds 50% of the costs and the car has to be put into a Residual value exchange…of which I have never heard anything before???? Is this the case recently in case of casco damage? In the terms and conditions I have read nothing about it… A third question just comes to mind: VAT will be deducted in any case, if I invoice according to expert reports and do not submit invoices, right? Thank you very much to everyone and sorry, if I have asked something now twice