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Damage report
A legally sound assessment of any vehicle damage.
Whether a parking bump, hail or a collision with wildlife, a damage report establishes the extent and the costs in a clear, traceable way. The basis for insurance settlement and resolving disputes.
- Report within 48h
- We handle the paperwork
- Free of charge when someone else is at fault
- Experience from over 20,000 cases
48 h
until the report is ready
100%
cost coverage when someone else is at fault
approx. 15 min.
on-site damage assessment
20,000+
cases assessed in 30 years
Basics
What is a damage report?
A damage report documents all the damage your vehicle suffered in an accident or damaging event. It serves as legal proof of the damage to the vehicle, towards the insurer and in court.
Whether a parking bump, hail, marten damage or a collision with wildlife: the report establishes the extent and costs in a traceable way and is the basis for insurance settlement and resolving disputes.
Damage examples
Would you have expected damage this high?
€2,442.84
Damage amount
€1,163.04
Damage amount
€21,825.76
Damage amount
€3,989.11
Damage amount
When do I need this?
Typical reasons for a damage report
Comprehensive-insurance damage
Hail, marten, wildlife, theft: your comprehensive insurer often requires proof from an expert.
Dispute over the repair method
Garage and insurer can't agree? A neutral report creates clarity.
Securing evidence before a sale
Document existing damage before you hand over your vehicle.
How it works
Just a few steps to your report
Call or WhatsApp
A brief description, we check whether a report makes sense and arrange an appointment.
On-site inspection
Mobile damage assessment at your location or at our office in Karlsruhe-Durlach.
Report
Written document within 48 hours. Digital or by post, as you prefer.
Liability
Who pays the bill?
Someone else at fault
Typical: The other party ran into the back of you, ignored your right of way or damaged your parked vehicle.
Commission the damage report yourself: an independent expert secures your full claim.
The at-fault party's liability insurer, 100% free of charge for you.
Partial fault
Typical: Unclear sequence of events, reversing at the moment of impact, an overtaking manoeuvre or an accident involving more vulnerable road users.
Tell us briefly about your accident. Based on over 20,000 cases, we'll give you a free initial assessment.
Proportionally, depending on the liability split; a free report is often possible.
Your own fault
Typical: You ran into the back of someone, ignored a right of way or clipped a parked vehicle.
Report the damage to your insurer; a report is possible via your fully comprehensive cover.
Your fully comprehensive insurer commissions and pays for the report.
Costs & payment
Free of charge when someone else is at fault
Typical range: €300-1,000
Costs usually range between €300 and €1,000, depending on the type of vehicle (car, truck, motorcycle), the extent of the damage and the effort involved. When fault is clear, the at-fault party's insurer covers the costs.
When someone else is at fault you don't pay a cent. Via a declaration of assignment we bill the other party's insurer directly.
Comparison
The options at a glance
| Independent expert | Insurer | Garage | |
|---|---|---|---|
| Appointment often the same day | |||
| Comes to you on site | |||
| Also checks for hidden damage | |||
| Independent advice in your interest | |||
| Diminished value & loss of use taken into account | |||
| A full report, not just a cost estimate | |||
| Free of charge when someone else is at fault |
Only an independent expert secures your full claim; in our experience the other party's insurer calculates to your disadvantage.
Included in the report
What you actually get
- Detailed damage assessment with photo and measurement records
- Calculation based on manufacturer specifications & authorised-garage hourly rates
- Use of original spare parts
- Assessment of hidden damage and prior damage
- Figure for market-related diminished value
- Loss-of-use compensation or rental-car group per Schwacke
- Court-proof securing of evidence with photo documentation
- Assessment of roadworthiness & optional equipment
Extra claims
Possible extra claims
After an accident that wasn't your fault, you may have further claims beyond the vehicle damage:
- Loss-of-use compensation or a rental car
- Market-related diminished value
- Damaged child seat
- Sat-nav device & smartphone
- Loss of earnings
- Compensation for pain and suffering
- Lost holiday
- Home help
- Towing & lawyer's fees
- Flat-rate expense allowance
FAQ
Frequently asked questions about Damage report
Do I need a report for comprehensive-insurance damage?
Many comprehensive insurers require an expert report above a certain damage amount. We clarify this in advance together with your insurer.
Do you also assess very small damage?
Yes, but we'll advise you honestly whether the report is worth it financially or whether a cost estimate is enough.
What does diminished value mean?
A repaired accident car is worth less on the used market than an accident-free vehicle. Market-related diminished value compensates for this disadvantage.
How does it work with hail damage?
We document every dent with a measuring system and produce a calculated repair-cost estimate, recognised by all major comprehensive insurers.
Service areas
Where we assess for you
- Karlsruhe
- Karlsruhe-Durlach
- Ettlingen
- Rastatt
- Baden-Baden
- Bruchsal
- Bretten
- Pforzheim
Ready for the next step?
Call, WhatsApp or form, we'll get back to you with a suggested appointment.
Mon–Sat 08:00–20:00
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