Hello to each other! I am relatively desperate, because with my problem also the dear Internet could not give me any information so far, and the “knowledge” of acquaintances drifted apart. The following facts: On 01.01. this year we changed the car insurance. On 10.01. my treasure departed from the road, cover, car total damage, no other vehicle was involved. The report was created and sent to us, at the same time with the result of the bids from the Repurchase value 1200€ Residual value bid 3888€ Repair costs 21000€ That all this is not going to happen with right things, that car should not have gone into the stock exchange without our ok, and that the insurance is bouncing us is clear to me. That’s why it should not be possible here. My question is: We get the difference replacement value minus residual value, clear. The car is sold to the highest bidder for this 3888€. We have to handle the sale ourselves with the bidder. BUT: Who will get this €3888??? I have heard all the variations: the proceeds will go to the insurance company completely, or it will come to us completely, or – what the insurance company claims – the amount will be divided between us and the insurance company. Does anyone have experience or know-how how this works? I really stand by the hose! Thank you for your answers!