Since I have only found age-old threads with similar topics to my problem, I open a new one here. On my special topic and my possible demands regarding insurance: After a wild accident with manageable sheet metal damage a few weeks ago I originally wanted to repair the damage to the car professionally and have it regulated by my TK at the HUK. In a certified car body construction specialist company of my choice, I have a car insurance expli The insurance company examined my application, had a DEKRA report drawn up and then finally approved my application, even if it had been cancelled (co-painting in case of casco damage not replaceable). At the same time, with its approval, through a comparison of the works city, it also proposed one of its, because cheaper, references. In view of the diesel problem, however, I have decided that my almost 11-year-old S-Max diesel has EU4 not to repair the damage after all, but to have it paid out net net less my excess. However, the insurance company only wants to pay the amount of the proposed tax by about 330 euros, which is significantly cheaper than the amount of the proposed tax. Maybe one of you had a similar case. Do I have to accept this or can I insist on the payment of the approved estimate of my selected certified Wunschwerkstadt due to my contractually guaranteed and defined free workshop choice? What about my claims against my insurance?