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Comprehensive Damage Appraisal
Comprehensive damage occurs from your own fault, wildlife collisions, stone chips, hail or theft. An independent appraisal ensures fair settlement.
In the case of a comprehensive insurance claim, your own insurer settles the damage. An independent report documents the damage objectively and can serve as the basis for settlement with your insurer. A professional inspection is particularly worthwhile for higher-value damage.
We inspect your vehicle in person – whether at the garage, at your home or at our office in Wülfrath. Above a certain level of damage, the cost of the report is generally covered by your comprehensive insurance.
→ Guide: Liability vs. comprehensive – differences
FAQ
What exactly is a comprehensive insurance claim?
A comprehensive claim occurs when no third party caused the damage. Typical examples include self-caused accidents, wildlife collisions, stone chips, hail damage, storm damage, flooding, or theft.
Does my insurance cover the costs of a comprehensive claim report?
Typically, your own comprehensive insurance covers the expert report costs. The exact conditions depend on your insurance contract.
When is an independent report recommended for a comprehensive claim?
An independent report is particularly recommended for higher damage amounts, in disputes about the actual extent of damage, or when the insurance company tries to undervalue the damage.
