Avoid workshop risk: Submit a cost estimate for comprehensive insurance damage beforehand
Unnecessary or overpriced workshop costs? Why one simple step before repair is crucial to avoid being left with so-called workshop risk and costs in vehicle comprehensive insurance claims.
The German Federal Court of Justice (BGH) has ruled that in cases of comprehensive insurance (Kaskoschaden), the policyholder bears the so-called workshop risk (Werkstattrisiko), which refers to unnecessary or excessive repair costs. The Automobilclub von Deutschland (AvD) advises policyholders to obtain a cost estimate before ordering repairs and to have it approved by the insurer.
This can help reduce the risk of the policyholder having to pay for unnecessary or excessive costs. The ruling applies to self-inflicted accidents in comprehensive insurance and likely also to partial comprehensive insurance (Teilkaskoschäden). However, if a third party is responsible for the damage, the workshop risk lies with the perpetrator or their liability insurance.
Written by urgent.news from Handelsblatt's report — not a translation of it. Machine-written — may contain errors; check the original before relying on it.
