Car repairs due to third-party negligence: When is an appraisal necessary?

Car repairs due to third-party negligence: When is an appraisal necessary?

According to a report by www.lz.de, it is not always necessary to obtain an expert opinion when a car needs to be repaired due to damage caused by someone else. The responsible party's insurance is usually obliged to cover the repair costs, although in certain cases an expert opinion may be dispensed with.

From an economic perspective, this can have positive and negative effects. On the one hand, costs can be saved because the preparation of an appraisal results in additional expenses. This could result in insurance companies reducing costs and therefore being able to offer cheaper rates to consumers.

On the other hand, foregoing an expert opinion could also lead to uncertainty as to the exact amount of damage. This could lead to disputes between insurance companies and between insurance companies and customers, which could ultimately lead to higher costs for everyone involved.

In addition, the quality of the repairs could deteriorate, as not all damage may be identified and repaired without an expert report. This could lead to higher follow-up costs in the long term.

It is therefore important to carefully analyze the effects of such a regulation and, if necessary, make adjustments to ensure fair and economically sensible solutions.