Hi, I had an accident on the A9 in June 2011 caused by a cyclist. In short: I drove on the left lane as the car suddenly braked very strongly in front of me and then evaded very quickly on the middle lane. About 40 meters before me a cyclist came to meet me. So I had only the choice to re-semmel the cyclist or also to avoid the middle lane. I decided of course to avoid it. Problem was that there was only another car driving there. However, vehicles were kept within limits, both still ready to drive. The cyclist was unharmed. The guilt question was clarified a short time later, the cyclist was of course unreservedly to blame. Since the highway mastery was already on site and the police in sight I had good witnesses. Jetz my problem: Before the whole came to court the cyclist managed to kill himself even more. Jetz tells me my insurance that I am upgraded in the liability (since I In addition, my own share of 500€, the paint adjustment for 250€ (not taken over in case of casco damage) and no rental car for the repair period (not taken over in case of casco damage) is added. That means that I should pay a total of 700€ for an accident that I am not responsible for?! Can my insurance really do this with me?! I realize that the money has to come from iwo but why is this going to be all the more dangerous? over my insurance, and above all, over me?