Greetings to the round! Last Wednesday I scratched my neighbor’s car and now I don’t really know how to handle it (nerve/insurance technical). On the situation: I wanted to go to football in the evening, get into my car (stands across the road) and buckle up. Look back and notice that a red car comes from the right. So I let it pass and start pushing slowly out and look further to the right, if not another one comes. But I don’t look to the front left, because I’m standing next to a (currently not used driveway) and there’s no car there. But now it happens that the red car is standing there suddenly! And so close that when I turn it out from the back door to the wheelbox, I’m not getting it at all at all and I’m going to go to the football, where I get later news from my wife that our neighbor from the next house reported that I hit him. And I’m supposed to report the next day. So that’s so nice!(?) The next day we met in the morning and I reported the damage to the HUK. He’s also there. He has witnesses. Funny enough, he wanted to go to my parking lot. I’ve already asked a “paint doctor” by mail with pictures, who said it might be like 400-500€. If there’s a lot to polish away, maybe less. Now my questions, I’m in insurance things, especially On the one hand, I feel like I should not have been in the driveway and certainly not so close. Is the insurance company asking for the approach? Does that mean that it also solves something like co-indebtedness? Let him appreciate the damage and wait for what the HUK says at all? Do I really see that this is about the comprehensive (SB 300€) and I have to see if buying back makes sense? The car is an old 4 golf, the neighbor actually quite nice. I don’t know if he would accept the offer from the paint doctor or if he prefers to issue a gold report. What about my damage? Have “only” 5cm wide and 3cm high scratches at the front left of the bumper as well as a color application on my headlight. If I have to pay SB anyway and get upgraded, can I also have the damage regulated immediately if it doesn’t matter in terms of money anyway?