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Unverschuldeter Verkehrsunfall – wie geht es weiter? - NRWZ.de
Schnell ist es passiert – man ist in einen unverschuldeten Verkehrsunfall verwickelt. Unabhängig von der Schadenhöhe ist es elementar, möglichst zeitnah die richtigen Schritte für die Regulierung einzuleiten. Ein unabhängiger KFZ-Sachverständiger kalkuliert nicht nur die Schadenshöhe, sondern ermittelt alle für den Schadensfall relevanten Werte und sicher die Beweise.
Um eine möglichst reibungslose Abwicklung des Unfallschadens zu erreichen, ist es unumgänglich, den Schaden am Fahrzeug feststellen zu lassen. Ab einer Schadenshöhe von etwa 1000 Euro hat der Geschädigte aus einem Verkehrsunfall das Recht, einen KFZ-Sachverständigen mit der Beweissicherung und der Ermittlung aller schadensrelevanten Fahrzeugwerte zu beauftragen. Die Kontaktaufnahme dazu erfolgt dabei telefonisch oder mittels einer E-Mail.
Der Sachverständige wird zeitnah einen Besichtigungstermin des Fahrzeugs abstimmen und das Fahrzeug in Augenschein nehmen. Es werden Fotos des Fahrzeugs erstellt, der Schaden dokumentiert und ermittelt. Die Fahrzeugbesichtigung kann dabei sowohl am Wohnort, an der Arbeitsstelle, in der Werkstatt oder beim Sachverständigen erfolgen. Eine tiefergehende Untersuchung kann gerade bei tieferliegenden Schäden erforderlich werden. Eine Ergänzungsuntersuchung wird mit dem Geschädigten abgestimmt. Häufig sind dabei noch weitere Demontagearbeiten im Schadensbereich erforderlich.
Nach wenigen Tagen erhält der Geschädigte das Schadensgutachten. Gleichzeitig wird ein Duplikat an die gegnerische Versicherung, einen Rechtsanwalt – der bei der Abwicklung unterstützt – und die gewählte Reparaturwerkstatt versendet. Die Schadensregulierung kann damit beginnen.
Alternativ zur Reparatur steht es jedem Geschädigten aus einem Verkehrsunfall frei, die Abrechnung des Schadens fiktiv vorzunehmen. Dabei werden von der gegnerischen Versicherung allerdings nur die Reparaturkosten abzüglich der Mehrwertsteuer bezahlt.
Die Kosten für ein Schadensgutachten rechnet der Sachverständige normalerweise auf Grundlage einer unterzeichnete Abtretungserklärung direkt mit der gegnerischen Versicherung ab. Der Geschädigte muss dafür nicht in Vorleistung gehen.
Ein KFZ-Sachverständiger unterstützt nicht nur bei der Beweissicherung nach Verkehrsunfällen, sondern steht auch mit Fahrzeugbewertungen, beispielsweise beim Fahrzeugverkauf aus dem Firmenvermögen oder auch zur Wertermittlung an Young- und Oldtimerfahrzeugen zur Verfügung.
"PR" steht für Promotion. So gekennzeichnete Artikel veröffentlichen wir im Kundenauftrag gegen Bezahlung. Sie entsprechen nicht unbedingt redaktionellen Standards in Bezug auf Unabhängigkeit, sondern können eine Position einseitig einnehmen. Dennoch informieren die Beiträge aus unserer Sicht zutreffend über einen Sachverhalt.
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