Hello, I had a slight accident damage (engine hood + windshield) on my vehicle 2 months ago. I would like to calculate the cost estimate of my factory town (Mercedes) with the insurance of the accident opponent (height approx. 170€). The insurance has had an expert assess the damage (height of the report 1600€). Yesterday I finally received a billing check. The insurance wants to refund only 1380€, because VAT for billing about cost estimate Question: Can the insurance ignore the amount of my estimate and use only the amount of the report from the expert of the insurance for the payment of the damage? Is the deduction of the VAT right? Thank you for your answers.