Hello dear Auto-Communtiy, I have a question regarding a damage with 50:50 quota and the corresponding excess, but someone can give me an answer. Behavior: Accident built, against guardrail. -Full casket -300€ Excess – Damage 4400€. -In case of collection in the car dealership my 300€ excess is paid But now the insurance does not want to take over the damage completely, but only 50%. Calculatingly 4400 by 2 = 220€ I already have 300€ to the Autohau The insurance company wrote in advance: “[….. Repair costs car 4400€ according to liability rate 50% 220€ deductible -300€ total 1900€ We have transferred the amount to the car dealership…]” But why do they deduct the 300€ deductible, they have to pay 220€, or do I see this wrong? MFG