Hello, today the first snow fell and immediately one of me drove in. The police came, he admitted the guilt. Vehicle: BMW 1er, E87, Built 12/2006, 123000km Now I have registered with the insurance company for further steps. The clerk said that I should drive to the workshop and have the damage estimated. Finally, depending on the amount of damage, the insurance will decide whether an expert is switched on or not. expert experts found that from a sum of approx. 1200 € an expert can be engaged. Is this true or can I always hire an expert? Of course, without me remaining on the cost. Furthermore, the insurer of the accident opponent is also my insurer. An expert of the insurance would probably not be so practical. If the insurance agrees with an expert, I can reject the experts of the insurance company. Is that true? And last but not least: I have an insurance with a workshop binding. Does this have disadvantages for me as a injured person, e.g. when choosing the expert or the like? Thank you in advance for your help. I always read with you here. But if you are affected yourself, you get a little bit uncertain.