[Fictiv] Car from repair & direct accident….

Hello I came up with the following question the day before yesterday when picking up my car from the repair, maybe here may help jmd. times: Car has brought all-round car directly from the workshop, costs of repair / maintenance / service etc. paid directly (EC/credit card) or on account. Cost first of all not relevant. Shortly behind the workshop there is an accident, once self-inflicted as an example and once not guilt. That the invoice must be paid for repair / maintenance / Servi ce is clear. How are the costs of repair / maintenance / service compared to possible refunds of the insurance? I got the question because the repair / maintenance / service of the cars has a (low) added value since possible defects parts were directed. Thanks & Greetings