Hello, have 1-2 questions in your forum I drove up another car on Friday, the damage is somewhat more expensive afterwards as assumed. Here is the link to my topic in the Audi A4/B5 forum with photos of the accident/damage KLICK . The estimate of the AZ amounts to about 170€, I have agreed 300€ SB in my policy. Now my question or idea, if I say to HUK I want to have the 170€ -300€ SB and -19% VAT. Can I have the money out of it let pay and go to my car self-help workshop to do the very good work and have it repaired there or doesn’t the insurance company participate?