When Is a Vehicle Appraisal Worth It?

Not every damage needs a full appraisal – but in most cases it's more worthwhile than many think.

The minor damage threshold

Reference is often made to a minor damage threshold below which no report is said to be necessary. In practice this lies at around €750. However, given the rise in repair costs and spare part prices, even seemingly small amounts of damage now quickly exceed it. When in doubt, a report is worthwhile.

When is a report advisable?

A report is advisable for any third-party liability claim above the minor damage threshold, for comprehensive claims involving higher sums, where liability is unclear or shared, where hidden damage is suspected, and in the event of a total loss in order to establish the replacement value.

When is a cost estimate sufficient?

For very minor damage with a clear set of facts, a garage cost estimate may be sufficient. Please note, however: a cost estimate documents neither diminished value nor replacement value.

FAQ

From what damage amount is a vehicle expert report worthwhile?

The minor damage threshold is approximately €750. However, due to rising repair costs, even seemingly small damages quickly exceed this threshold. For liability claims, you incur no costs anyway.

Is an expert report always mandatory after an accident?

Not mandatory – but recommended in most cases. A report objectively documents the damage and secures all your claims. Particularly important for liability claims above the threshold, unclear fault, or suspected hidden damages.

Do I have to pay the expert costs myself for a liability claim?

No – for liability claims, the opposing insurance covers the full expert report costs. The costs for the independent expert are a reimbursable damage item.

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