Hello, a friend of my son had an accident. She wanted to turn left to pick up my son from school. When she was about to turn, she saw in her opinion on the opposite lane a much too fast car coming and then stopped. The opponent then hit her with full force at the front left, so that she stood afterwards across the road. The young man immediately said that she took the lead. Even the police, who was at the scene of the accident, But the accident didn’t take up, so she’s guilty on the left. Now there was an expert on the insurance of the young man. The car is total damage. Now she has to demand the money even though the debt question has not yet been settled, because my son still has to make his testimony with the insurance. Now my question: must pay the insurance if the expert estimates the damage at 1966,00 euros or it can also be that the insurance for the Scha That doesn’t come up.