Hello, I have a question for the experts, also to the employees of insurance as it is settled with those. A legal person who is entitled to deduct VAT is stolen a vehicle which was bought by a dealer without VAT. The expert creates a hypothetical replacement value report and writes there a net price on + VAT. I as an entrepreneur ignore the VAT completely because I assume that insurance companies in this case always pay out net anyway. The view on mobile.de shows me that there are no usable and comparable vehicles at the net price of the report, therefore I call the expert and ask him why he only estimated value XY, if he has taken all the extras into account correctly. He is surprised by the low value himself, looks into his documents and tells me he has estimated value Z (incl. VAT). I explain to him that the VAT does not refund from the insurance I assume that a private person as a policyholder would, of course, also receive a gross payment from the insurance company and that the whole issue would not arise at all. The insurance clerk then explains to me whether they pay out with or without VAT, that in my case it would be natural for the insurance company to pay out with or without VAT. My tax advisor doesn’t see it that way, because I can’t, like a repair in which the VAT is deducted in exactly the same way from the insurance company, submit an invoice for the stolen motorcycle and when the purchase was made, no VAT could be obtained from the tax office. -> Is it right that the insurance company only pays out net in case of theft? -> Is the expert’s opinion too low and the expert would have determined the value a ls it necessary to take net value and to add VAT instead of seeing the determined value as gross and deduct VAT? If I have understood it correctly, the price examples that are based on his estimate are all without VAT. But this value he has written as gross in the report. If I have forgotten any information or have described it unclearly I gladly deliver this, I think I can make better progress with you than if I continue with evaluators, insurance and tax advisor alternate phone calls Thanks