Conflict of interest
The opposing insurer's appraiser is paid by the party that wants to pay as little as possible. That is not neutrality.
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Yes – after a no-fault accident, you decide who inspects your vehicle. The other party's insurer cannot force an appraiser on you. Here is why that matters and how to use this choice properly.
If you were involved in an accident that was not your fault, you may instruct an independent car appraiser of your own choosing. This right to a free choice of appraiser is firmly established – the at-fault party's liability insurer cannot restrict it.
In practice this means: if the other party's insurer calls and offers to "send an appraiser round", you do not have to agree. An appraiser instructed by the opposing side works in the insurer's interest – not yours.
The opposing insurer's appraiser is paid by the party that wants to pay as little as possible. That is not neutrality.
An independent report also captures diminished value, loss of use and hidden damage – items that are easily overlooked.
Your own report documents the damage before any repair. That protects you if the settlement becomes disputed.
After a no-fault accident the appraiser's fee is part of the recoverable loss. Like the repair costs, it is borne by the at-fault party's liability insurer. As the injured party you normally have nothing to pay up front.
The exception is the genuine minor damage: if the loss is clearly below the trivial-damage threshold, a repair estimate may be enough instead of a full report. Where that line lies in your case we clarify beforehand – honestly and with no obligation.
Call before you sign anything. We explain your rights and inspect your vehicle independently – wherever it stands.
Head office in Schramberg-Sulgen, branch office in Rottweil. For the damage inspection we come to you in any case – on site, at the workshop or at your home.
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