My father’s parked car was damaged, the guilt question is clear. The left front fender, the bumper and the left outside mirror were damaged. Since the car has 16 years on the hump, I only wanted to replace the outside mirror and leave the rest as it is now. I drove to a workshop and had a cost estimate made. Damage about 960 euros incl. fairy tale tax. The insurance is charged. I also agreed to a visit for the sake of peace. The expert determined a damage amount of 1130 euros incl. VAT, but also only one value of the vehicle of 850 euros. As a residual value he stated 150 euros. Thus, a damage of 700 euros on a total damage basis. I was satisfied with this and wanted from the insurance now the 700 euros, the cost of the estimate in the amount of 10% of the repair costs, i.e. 96 euros, and a lump sum of 20 euros. Now the insurance refuses to pay the estimate because they had their own expert. Is that so right? I only fulfilled my obligation to reduce damage. I could have ordered a separate expert at once… What do you think about it? Many greetings Ralf