Hello everyone, I’m new here and I’m so sorry… I’ve already used the forum search and found a lot of similar, but nothing suitable for my special case: I had a self-inflicted accident this winter when I drove too fast around a steep curve and had a lamp on the roadside with my bumper. This damage was taken up by the police and after I reported it to my comprehensive insurance. , I was sent by an expert who estimated the cost of my car’s repair at about 2500 euros (the lamp did not happen). After I had calculated how much my contributions would increase after an increase in the insurance, I took the possibility of a damage buyback. This treated the damage as if it had never happened and my insurance contributions did not increase… Now it’s stupid for me before I reimbursed the damage. I’m not sure if I’m going to have a car crash again. I happen to have hit the bumper at almost the same spot as in the first accident, but in addition the light has also broken. Now I would like to take the insurance, because a buyback this time probably not worth it… My question, therefore, is the damage (as seen from the expert) deducted from the first accident? How is the correct pr I don’t want to screw up, but I’d like to know my rights before I do anything rash…