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Kostenvoranschlag - Optima Kfz-Gutachten Berlin
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Kostenvoranschlag


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Kostenvoranschlag

Wenn die Versicherung im Schadensfall nacheinem nicht selbst verursachten Unfall einen Kostenvoranschlag zur Bezifferungdes Schadens von Ihnen haben möchte, sind Sie dazu nicht verpflichtet. Sonstliefern Sie der gegnerischen Versicherung eine Vorlage.

Es kann dabei folgendes passieren:

Variante 1

Sie lassen einen Kostenvoranschlag von Ihrer Vertragswerksatt anfertigenund reichen diesen bei der gegnerischen Versicherung ein. Die Versicherung gibtvorerst ihr O.K, Sie lassen reparieren und die Werkstatt reicht die Rechnungbei der Versicherung ein.

Die Versicherung kann behaupten, dass Sie einen Vorschaden mit repariertbekamen und die Leistung deswegen nicht in vollem Umfang erstattet wird. DasBeweismittel, der Zustand des Autos vor der Reparatur, wurde während derselbenvernichtet.

Hätten Sie ein Gutachten vor der Reparatur vom Sachverständigen Ihrer Wahlerstellen lassen, dann würden Sie ein stichhaltiges Gegenargument in der Handhalten. Ohne Gutachten können Sie der Versicherung nicht nachweisen, dass eskeinen Vorschaden gab.

Variante 2

Reichen sie einen Kostenvoranschlag bei der Versicherung ein, die dieReparaturkosten mit 3500 Euro veranschlagt. Die Versicherung gibt einenRestwert von 1200 Euro vor, schätzt den Widerbeschaffungswert des Autos auf 3200Euro, und zahlt Ihnen den bescheidenen Unterschied: also 2000 Euro aus (Wiederbeschaffungsaufwand).

Hätten Sie davor mit Ihrem Sachverständigen gesprochen, hätte er Sie über dieManipulierbarkeit des Restwerts durch Restwert-Börsen aufgeklärt und Ihnen eine selbstbestimmte, für Sie günstige Lösung vorgeschlagen.


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