Liability vs. Comprehensive – Differences in Claims Settlement

Liability or comprehensive damage – the distinction is crucial for claims settlement.

Third-party liability claim (other party at fault)

A third-party liability claim arises when another person caused the accident. The other party's liability insurer bears all costs: repairs, the assessor's report, rental car, diminished value and legal fees. You have the right to choose your own assessor.

Comprehensive insurance claim (own damage)

A comprehensive insurance claim arises from your own fault, collisions with wildlife, stone chips, hail or similar events. Here your own comprehensive insurance settles the damage. Please note: an excess may apply, and whether the assessor's fees are reimbursed depends on your policy.

Shared liability

Where liability is shared, costs are apportioned according to the liability ratio. Here too an independent report is important in order to secure your claims.

FAQ

What is the key difference between liability and comprehensive damage?

In a liability claim, another person caused the accident – the opposing insurance covers all costs. In a comprehensive claim, your own insurance settles, often with a deductible.

Can I appoint an independent expert for a comprehensive insurance claim?

Yes – you can also appoint an independent expert for comprehensive claims. Whether your insurance covers the costs depends on your contract.

What happens with shared fault – who bears the costs?

With shared fault, costs are divided proportionally. Even with unclear fault, you are entitled to an independent report. We recommend a traffic law attorney for clarification.

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