Yesterday, while driving back, I slightly touched another car, as I missed it, didn’t notice it. Unfortunately, I only looked into the right outside mirror at the last meters. On the left, oblique behind me, the other driver waited and thought I was still passing it (I wanted to put back into a driveway to continue straight ahead. The damage is manageable, the paint on the front apron is slightly damaged by the accident opponent (but also dirt on the front apron is damaged). But in the case of plastic aprons, you never know what damage the workshop does to them. Unfortunately, since the insurance companies are greatly reducing the policyholder, I am almost forced to pay for the damage myself. In the information from the insurance company (R+V 24) I read that I would then be reclassified in the liability of now SF21 to SF10. Is such a big jump common? Or can any insurance company do it the way it thinks it is? Up to what amount of damage does it make sense to pay the damage voluntarily yourself? And what costs would then be charged to me, only the repair damage or everything else (expert etc.) also? Upload image does not work. Instead, there is a link: http://up.picr.de/11620859af.jpg