Hello dear forum, I signed up here because for the first time I had a car accident and no idea how to proceed. I was driven into the car and I was pushed onto the car in front of me –> my car is smashed in front and back. The conditions are clear, the driver who drove into me is the causer, police was there, so far, so good. I was in shock after the accident and drove the car into the workshop of my trust and let there Now they just called me and told me that an expert was there and estimated the time value at 9.700 euros, that the repair would be 11.500 euros, and the insurance would have to pay because the sum is less than 130 % of the time value. Now the thing is that I would never get 9,700 euros if I tried to sell the car (that was what I had planned in the summer anyway), no idea how that would come to the high amount, The high repair costs arise because it is a special model and they would order expensive original parts. Now I think I could perhaps agree with the insurance that they would pay me a sum of money that lies somewhere in between, and I could buy a much newer model for the money with less Buying kilometers (no special model, but I don’t need that either, was just a coincidence anyway that I bought this), but then the question would be who pays the costs (workshop, expert) so far, but I don’t have that much confidence in insurance and I’m afraid that they could try to pull me over the table. It’s certain that I need a car again as soon as possible, but I don’t dare to take a rental car either, because I don’t have to buy a car. I have no idea about these things and I’m not legally insured either. I’m not a croesus and my car was the most valuable thing I had 🙁 I’m grateful for any hint or tip. Greetings Garfield