Cedomir Dijanovic | I had some car accident recently so my experience can perhaps help you. It was quite simple, the guy comming from the opposite direction (landstrasse) lost control of his car and hit me on the side, further he collided frontally with the car behind me. Nobody was hurt. The police came after 1.5 hours, they just took the personal data from all of us, and we had to exchange data among us. No pictures. The guy that hit us got immediately ticket form the police (implicating that he is guilty). But after some weeks, although I have filled all papers and reported it to both insurances, mine and of this guy - the opposite insurance said "we cannot pay you any money until the schuldfrage (who is guilty) is not cleared". And it was not cleared because the guy that hit me did not send back his description of the accident. I also learned that the "schuldfrage" is not cleared by police, but between two insurances. Also, the "Gutachter" (Assesor) came 2 days after the accident and checked my car thoroughly. He wrote down all what is damaged, made pictures. His report contains also the price of the repair, and also is the car modified in any way after accident. BUT, if the damage is lower than approx. 400 euro then it is not apropriate to do it via "gutachter", instead the "reparaturkostenvoranschlag" (estimated repair price) from some workshop is enough. Anyway, when I saw that it is not going so well, I went to lawyer. After 4 days I have got first part of the money. The best part is that if you are not guilty, than you do not have to pay anything to the lawyer! This has to be paid directly by insurance of the guy who is guilty for the accident!!! So, I have got all of my money, and I didnt move my small finger, and it was for free. But only if you are not guilty :-(. However, this (Macedonian?) guy has actually nothing to do with you, if he want some money he should talk to your insurance and your insurance should pay him for it, if you really damaged his car. Only consequence for you is that IF it is your fault, your insurance will increase your monthly payment. You CAN, if you WISH, but you do not have to (!) pay him his costs (his 400-650 euro) to prevent that your insurance increases your monthly payments. At most insurances you can even ask your insurance does it pay for you to pay it yourself or go to via insurance ! IN ANY CASE, the guy has to present you the receipt for the repair costs, and you can pay him the apropriate amount, OR he can write down that somethine like "if you pay me xxx euro, then are all my claims to the respective accident fulfilled". But he CAN NOT require any money from you without receipt or such declaration ! I also did not get any money from the guy that hit me, but from his insurance. Go find a lawyer until is not too late, this insurance stuff is very complicated - this is also the reason why one can get the free lawyer if he is not guilty... I am also not sure have you done anything wrong in the whole procedure :-( The best thing to do is to call police every time when something happens, but this is also not guarantee. It is also good to have witnesses, and/or to make pictures immediately yourself. |