Totalschaden am Auto ⛐💥 Was zahlt die Versicherung?

Further information on total loss can be found here: https://www.bussgeldkatalog.org/total... If an accident occurs, the owner of the damaged vehicle is entitled to have it repaired, and the other party's liability insurance will cover the repair costs. A special situation arises when the car is a total loss. This video explains the different types of total loss, how it is settled, and what the 130% rule is all about! #totalloss #insurance #caraccident ── Video Content ─────────────── Jump directly to the individual chapters in the video here: ➜ 0:00 🔗 Introduction ➜ 0:14 🔗 What types of total loss are there? ➜ 1:30 🔗 What is the 130% rule? ➜ 2:18 🔗 How is a total loss settled? ── Summary ────────── ❗ Insurance companies distinguish between technical and economic total loss. ❌ In the case of a technical total loss, the damage is so extensive that repair is no longer possible. ✔️ In the case of an economic total loss, repair is still possible, but not financially worthwhile. 📄 This is the case when an expert determines that the repair costs would exceed the vehicle's replacement value. 🚫 Normally, the other party's insurance company would not pay for the car's repair. 💡 If you were not at fault in the accident, you may be able to benefit from the 130% rule. 💶 The 130% rule states that the repair costs will still be covered if they are no more than 30% above the replacement value. 📑 However, the repair must be carried out in accordance with the expert's report. Therefore, you must submit all invoices to the other party's insurance company. 📅 You must also prove that you will continue to use your car for at least six months after the repair. 💰 If the 130% rule does not apply or you do not want to have your car repaired, you will receive the difference between the replacement value and the salvage value. -- More from bussgeldkatalog.org -- 📖 Facebook:   / bussgeldkatalog.org   🗣 Facebook Group:   / bussgeldkatalog   📸 Instagram:   / bussgeldkatalog   🐦 Twitter:   / bkat_org   ── Image Credits ---──────────── Images used in the video: https://www.bussgeldkatalog.org/bildn...