Search results
42 items found for ""
- KFZ Gutachter Dieburg - Die KFZ-Schadensgutachter | Rhein-Main
The Rhein-Main vehicle damage assessors As a certified vehicle appraiser, we offer you a quick and reliable assessment of your vehicle after an accident or damage. Our many years of experience and expertise make us a trustworthy choice for car owners in Darmstadt and the surrounding area. Car appraiser services in the Rhine-Main area Liability damage report Reduced value report Classic car appraisal Assessment of damage to all types of vehicles Determination of repair costs on your KOM, truck, car, motorhome, caravan, motorcycle or trailer On-site assessment in Darmstadt and surrounding area We are your vehicle appraiser in the Rhine-Main area info@diekfz Schadensgutachter.de 0178/2731648 Contact details Rhine-Main The Rhein-Main vehicle damage assessors Our branch in Stockstadt enables uncomplicated and rapid processing on site and in the surrounding area. If you suffer a traffic accident that was not your fault, we strongly recommend that you hire an independent vehicle expert or damage assessor. This will ensure precise documentation of the damage and an estimate of the extent of the damage. Our competent team of experts in Darmstadt is happy to help you. The costs for the damage assessment and for legal counsel of your choice will be paid by the party at fault or their insurance company. We are also able to help you meet additional claims such as diminished value, loaner car, loss of use, holding costs and the freedom to choose a specialist repair shop. We will ensure that you do not have to pay for unjustified costs, as the opposing insurance company often tries to avoid them. Thanks to our years of experience as vehicle damage assessors and experts, you can be sure that our work is of the highest quality. We are able to assess the damage within 24 hours and prepare a comprehensive damage report that is available to you, the opposing insurance company, your lawyer and your specialist workshop. Please contact us for more information about our services in Darmstadt and the surrounding area. Free initial consultation We offer you a free and non-binding initial consultation!
- Fahrzeugbewertung | KFZSchadensgutachter
Vehicle valuation A vehicle appraisal is a process that determines the current market value or condition of a vehicle. This appraisal can be influenced by a variety of factors, including the age, mileage, condition, features, and model of the vehicle. It is performed using specialized appraisal programs and can have different purposes, such as selling or buying a vehicle, setting insurance premiums, or determining the residual value after an accident. A professional vehicle appraisal helps determine the true value of a vehicle and can protect against financial mistakes. We are your appraiser in southern Thuringia and southern Hesse info@diekfz Schadensgutachter.de 0178/2731648 Free initial consultation We offer you a free and non-binding initial consultation!
- KFZ Gutachter Lampertheim - Die KFZ-Schadensgutachter | Rhein-Main
The Rhein-Main vehicle damage assessors As a certified vehicle appraiser, we offer you a quick and reliable assessment of your vehicle after an accident or damage. Our many years of experience and expertise make us a trustworthy choice for car owners in Darmstadt and the surrounding area. Car appraiser services in the Rhine-Main area Liability damage report Reduced value report Classic car appraisal Assessment of damage to all types of vehicles Determination of repair costs on your KOM, truck, car, motorhome, caravan, motorcycle or trailer On-site assessment in Darmstadt and surrounding area We are your vehicle appraiser in the Rhine-Main area info@diekfz Schadensgutachter.de 0178/2731648 Contact details Rhine-Main The Rhein-Main vehicle damage assessors Our branch in Stockstadt enables uncomplicated and rapid processing on site and in the surrounding area. If you suffer a traffic accident that was not your fault, we strongly recommend that you hire an independent vehicle expert or damage assessor. This will ensure precise documentation of the damage and an estimate of the extent of the damage. Our competent team of experts in Darmstadt is happy to help you. The costs for the damage assessment and for legal counsel of your choice will be paid by the party at fault or their insurance company. We are also able to help you meet additional claims such as diminished value, loaner car, loss of use, holding costs and the freedom to choose a specialist repair shop. We will ensure that you do not have to pay for unjustified costs, as the opposing insurance company often tries to avoid them. Thanks to our years of experience as vehicle damage assessors and experts, you can be sure that our work is of the highest quality. We are able to assess the damage within 24 hours and prepare a comprehensive damage report that is available to you, the opposing insurance company, your lawyer and your specialist workshop. Please contact us for more information about our services in Darmstadt and the surrounding area. Free initial consultation We offer you a free and non-binding initial consultation!
- KFZ Gutachter Mannheim - Die KFZ-Schadensgutachter | Rhein-Main
The Rhein-Main vehicle damage assessors As a certified vehicle appraiser, we offer you a quick and reliable assessment of your vehicle after an accident or damage. Our many years of experience and expertise make us a trustworthy choice for car owners in Darmstadt and the surrounding area. Car appraiser services in the Rhine-Main area Liability damage report Reduced value report Classic car appraisal Assessment of damage to all types of vehicles Determination of repair costs on your KOM, truck, car, motorhome, caravan, motorcycle or trailer On-site assessment in Darmstadt and surrounding area We are your vehicle appraiser in the Rhine-Main area info@diekfz Schadensgutachter.de 0178/2731648 Contact details Rhine-Main The Rhein-Main vehicle damage assessors Our branch in Stockstadt enables uncomplicated and rapid processing on site and in the surrounding area. If you suffer a traffic accident that was not your fault, we strongly recommend that you hire an independent vehicle expert or damage assessor. This will ensure precise documentation of the damage and an estimate of the extent of the damage. Our competent team of experts in Darmstadt is happy to help you. The costs for the damage assessment and for legal counsel of your choice will be paid by the party at fault or their insurance company. We are also able to help you meet additional claims such as diminished value, loaner car, loss of use, holding costs and the freedom to choose a specialist repair shop. We will ensure that you do not have to pay for unjustified costs, as the opposing insurance company often tries to avoid them. Thanks to our years of experience as vehicle damage assessors and experts, you can be sure that our work is of the highest quality. We are able to assess the damage within 24 hours and prepare a comprehensive damage report that is available to you, the opposing insurance company, your lawyer and your specialist workshop. Please contact us for more information about our services in Darmstadt and the surrounding area. Free initial consultation We offer you a free and non-binding initial consultation!
- KFZ Gutachter Dreieich - Die KFZ-Schadensgutachter | Rhein-Main
The Rhein-Main vehicle damage assessors As a certified vehicle appraiser, we offer you a quick and reliable assessment of your vehicle after an accident or damage. Our many years of experience and expertise make us a trustworthy choice for car owners in Darmstadt and the surrounding area. Car appraiser services in the Rhine-Main area Liability damage report Reduced value report Classic car appraisal Assessment of damage to all types of vehicles Determination of repair costs on your KOM, truck, car, motorhome, caravan, motorcycle or trailer On-site assessment in Darmstadt and surrounding area We are your vehicle appraiser in the Rhine-Main area info@diekfz Schadensgutachter.de 0178/2731648 Contact details Rhine-Main The Rhein-Main vehicle damage assessors Our branch in Stockstadt enables uncomplicated and rapid processing on site and in the surrounding area. If you suffer a traffic accident that was not your fault, we strongly recommend that you hire an independent vehicle expert or damage assessor. This will ensure precise documentation of the damage and an estimate of the extent of the damage. Our competent team of experts in Darmstadt is happy to help you. The costs for the damage assessment and for legal counsel of your choice will be paid by the party at fault or their insurance company. We are also able to help you meet additional claims such as diminished value, loaner car, loss of use, holding costs and the freedom to choose a specialist repair shop. We will ensure that you do not have to pay for unjustified costs, as the opposing insurance company often tries to avoid them. Thanks to our years of experience as vehicle damage assessors and experts, you can be sure that our work is of the highest quality. We are able to assess the damage within 24 hours and prepare a comprehensive damage report that is available to you, the opposing insurance company, your lawyer and your specialist workshop. Please contact us for more information about our services in Darmstadt and the surrounding area. Free initial consultation We offer you a free and non-binding initial consultation!
- KFZ Gutachter Darmstadt - Die KFZ-Schadensgutachter | Rhein-Main
The Rhein-Main vehicle damage assessors As a certified vehicle appraiser, we offer you a quick and reliable assessment of your vehicle after an accident or damage. Our many years of experience and expertise make us a trustworthy choice for car owners in Darmstadt and the surrounding area. Car appraiser services in the Rhine-Main area Liability damage report Reduced value report Classic car appraisal Assessment of damage to all types of vehicles Determination of repair costs on your KOM, truck, car, motorhome, caravan, motorcycle or trailer On-site assessment in Darmstadt and surrounding area We are your vehicle appraiser in the Rhine-Main area info@diekfz Schadensgutachter.de 0178/2731648 Contact details Rhine-Main The Rhein-Main vehicle damage assessors Our branch in Stockstadt enables uncomplicated and rapid processing on site and in the surrounding area. If you suffer a traffic accident that was not your fault, we strongly recommend that you hire an independent vehicle expert or damage assessor. This will ensure precise documentation of the damage and an estimate of the extent of the damage. Our competent team of experts in Darmstadt is happy to help you. The costs for the damage assessment and for legal counsel of your choice will be paid by the party at fault or their insurance company. We are also able to help you meet additional claims such as diminished value, loaner car, loss of use, holding costs and the freedom to choose a specialist repair shop. We will ensure that you do not have to pay for unjustified costs, as the opposing insurance company often tries to avoid them. Thanks to our years of experience as vehicle damage assessors and experts, you can be sure that our work is of the highest quality. We are able to assess the damage within 24 hours and prepare a comprehensive damage report that is available to you, the opposing insurance company, your lawyer and your specialist workshop. Please contact us for more information about our services in Darmstadt and the surrounding area. Free initial consultation We offer you a free and non-binding initial consultation!
- Kurzgutachten | KFZSchadensgutachter
Brief report If the damage is small and a full liability damage report is not required, we offer to prepare a short report. Compared to a simple cost estimate from a workshop, the short report is more informative. It includes a short description of the damage event, is documented by photos for evidence and contains the necessary repair cost calculation as well as important vehicle data. Short reports are also fully reimbursed by the insurance company that is subject to regulation. Therefore, do not hesitate to contact us even in the case of “minor damage”. We are your appraiser in southern Thuringia and southern Hesse info@diekfz Schadensgutachter.de 0178/2731648 Free initial consultation We offer you a free and non-binding initial consultation!
- KFZ Gutachter Neu-Isenburg - Die KFZ-Schadensgutachter | Rhein-Main
The Rhein-Main vehicle damage assessors As a certified vehicle appraiser, we offer you a quick and reliable assessment of your vehicle after an accident or damage. Our many years of experience and expertise make us a trustworthy choice for car owners in Darmstadt and the surrounding area. Car appraiser services in the Rhine-Main area Liability damage report Reduced value report Classic car appraisal Assessment of damage to all types of vehicles Determination of repair costs on your KOM, truck, car, motorhome, caravan, motorcycle or trailer On-site assessment in Darmstadt and surrounding area We are your vehicle appraiser in the Rhine-Main area info@diekfz Schadensgutachter.de 0178/2731648 Contact details Rhine-Main The Rhein-Main vehicle damage assessors Our branch in Stockstadt enables uncomplicated and rapid processing on site and in the surrounding area. If you suffer a traffic accident that was not your fault, we strongly recommend that you hire an independent vehicle expert or damage assessor. This will ensure precise documentation of the damage and an estimate of the extent of the damage. Our competent team of experts in Darmstadt is happy to help you. The costs for the damage assessment and for legal counsel of your choice will be paid by the party at fault or their insurance company. We are also able to help you meet additional claims such as diminished value, loaner car, loss of use, holding costs and the freedom to choose a specialist repair shop. We will ensure that you do not have to pay for unjustified costs, as the opposing insurance company often tries to avoid them. Thanks to our years of experience as vehicle damage assessors and experts, you can be sure that our work is of the highest quality. We are able to assess the damage within 24 hours and prepare a comprehensive damage report that is available to you, the opposing insurance company, your lawyer and your specialist workshop. Please contact us for more information about our services in Darmstadt and the surrounding area. Free initial consultation We offer you a free and non-binding initial consultation!
- Cookie-Richtlinie (EU) | KFZSchadensgutachter
Damage report Your vehicle appraiser in southern Thuringia and southern Hesse We take a closer look at vehicles! Get in contact South Thuringia branch 0178/5260173 0178/5260173 South Hesse branch 0178/2731648 0178/2731648 info@diekfz Schadensgutachter.de Accident checklist Initiate first aid measures Call emergency services Securing accident data Documentation of the accident site through photos Note down contact details of witnesses to the accident Download accident report After a traffic accident that was not your fault, you should always hire an independent vehicle expert to secure evidence and prepare a damage report. The costs are to be borne by the person causing the damage or his insurance company. The costs for legal counsel of your choice must also be borne by the person causing the damage or his or her insurance company. In addition to the repair costs, you are generally also entitled to the following benefits such as depreciation, rental car, loss of use, holding costs and the free choice of a specialist workshop. The opposing insurance company would like to avoid these things! We will ensure that none of this is wrongfully taken away from you. Thanks to our many years of expertise, we are the ideal partner at your side. We record the damage within 24 hours and forward the report to you, the opposing insurance company and, if necessary, to the specialist lawyer and, in the case of repairs, also to the specialist workshop. We advise you Free of charge Liability damage report Not to blame for the accident? Exercise your rights and hire a neutral liability damage assessor! A vehicle expert will prepare an appropriate vehicle damage report that will protect you from financial disadvantages. learn more Reduced value report As an experienced and competent value assessor, I will assess leased vehicles on your behalf when they are returned and accident vehicles when dealing with liability insurers. As a lessee, you can also commission me to carry out a value assessment. learn more Classic car appraisal In order to officially register a vehicle as a classic car, a report is required. A thorough inspection not only examines the appearance and technology, but also determines the current market value. In addition to registering the classic car, the certificate can also be used as a basis for negotiating sales or insurance amounts. learn more Customer reviews Kay G Very competent & fast. I had third-party insurance damage to my car. The expert came straight after I called...the report was with me within two days. The other party's insurance company transferred the money within a week. What is the difference between a cost estimate and a damage report from a motor vehicle expert? A cost estimate (KVA) is simply a repair cost offer from a car repair shop. This only determines the expected repair costs. We as a car expert can also prepare a cost estimate. This is even advisable. This allows us to determine directly whether the damage is minor or not. A damage report is much more comprehensive and also serves to preserve evidence. In addition to determining the expected repair costs, a report also determines the commercial depreciation, replacement value and residual value of the vehicle involved in the accident. The expert also determines the expected repair time and the cost of a rental car. A report therefore contains all the information required to fully settle the damage with the opposing party's liability insurance. Who can commission a motor vehicle expert to assess my accident damage? You can commission an expert to prepare a report at any time. The only question is who will pay for it. In the case of liability damage, i.e. if you are the injured party, the costs must be borne by the other party or their liability insurance. This also applies if the opposing insurance company has already commissioned its own expert. If you are the injured party or if you are partially at fault, the opposing insurance company does not have to cover the costs or only partially. Who pays the costs of the motor vehicle expert for preparing an accident report? The costs for preparing a damage report are covered by the opposing party's liability insurance in the event of a traffic accident that was not your fault. The liability insurance can only refuse to cover the costs in cases where the damage does not reach the minor damage limit of EUR 750.00, as a cost estimate is sufficient for this. If the accident damage is less than EUR 750, we will provide you with a cost estimate. This must also be paid by the person who caused the damage or their liability insurance. Who pays the legal fees? It depends on whether you are the person who caused the damage or the person who suffered the damage. In the case of an accident that was not your fault, you have the right to hire a lawyer to claim the damages suffered from the opposing party's liability insurance. In this case, the opposing party's liability insurance must cover the costs. The amount of the damage is also irrelevant.
- KFZ Gutachter Bensheim - Die KFZ-Schadensgutachter | Rhein-Main
The Rhein-Main vehicle damage assessors As a certified vehicle appraiser, we offer you a quick and reliable assessment of your vehicle after an accident or damage. Our many years of experience and expertise make us a trustworthy choice for car owners in Darmstadt and the surrounding area. Car appraiser services in the Rhine-Main area Liability damage report Reduced value report Classic car appraisal Assessment of damage to all types of vehicles Determination of repair costs on your KOM, truck, car, motorhome, caravan, motorcycle or trailer On-site assessment in Darmstadt and surrounding area We are your vehicle appraiser in the Rhine-Main area info@diekfz Schadensgutachter.de 0178/2731648 Contact details Rhine-Main The Rhein-Main vehicle damage assessors Our branch in Stockstadt enables uncomplicated and rapid processing on site and in the surrounding area. If you suffer a traffic accident that was not your fault, we strongly recommend that you hire an independent vehicle expert or damage assessor. This will ensure precise documentation of the damage and an estimate of the extent of the damage. Our competent team of experts in Darmstadt is happy to help you. The costs for the damage assessment and for legal counsel of your choice will be paid by the party at fault or their insurance company. We are also able to help you meet additional claims such as diminished value, loaner car, loss of use, holding costs and the freedom to choose a specialist repair shop. We will ensure that you do not have to pay for unjustified costs, as the opposing insurance company often tries to avoid them. Thanks to our years of experience as vehicle damage assessors and experts, you can be sure that our work is of the highest quality. We are able to assess the damage within 24 hours and prepare a comprehensive damage report that is available to you, the opposing insurance company, your lawyer and your specialist workshop. Please contact us for more information about our services in Darmstadt and the surrounding area. Free initial consultation We offer you a free and non-binding initial consultation!
- Schadenonlinemeldung | KFZSchadensgutachter
Schadenonlinemeldung Client / injured party Anrede (Geschädigter) Anrede Straße (Geschädigter) Postleitzahl (Geschädigter) Telefon / Handy (Geschädigter) Amtliches Kennzeichen Fahrzeug (Geschädigter) Name (Geschädigter) Hausnummer (Geschädigter) Ort (Geschädigter) E-Mail-Adresse (Geschädigter) Bei welcher Versicherung sind Sie versichert (Geschädigter) Accident opponent / causative party Anrede (Verursacher) Anrede Straße (Verursacher) Postleitzahl (Verursacher) Telefon / Handy (Verursacher) Amtliches Kennzeichen Fahrzeug (Verursacher) Name (Verursacher) Hausnummer (Verursacher) Ort (Verursacher) E-Mail-Adresse (Verursacher) Versicherungsschein-Nr. (Verursacher) Additional data from the client / injured party Sind sie Vorsteuerabzugsberechtigt ? * Ja Nein Ist das Fahrzeug noch fahrbereit ? Ja Nein Haben sie eine Verkehrsrechtschutzversicherung ? Ja Nein Ist Ihr Fahrzeug ? Eigentum geleast finanziert Wird ein Mietwagen benötigt ? Ja Nein Ist das Fahrzeug lückenlos Herstellerscheckheft gepflegt ? Ja Nein Möchten Sie Ihr Fahrzeug reparieren lassen oder möchten Sie eine Auszahlung auf Basis des Gutachtens ? * reparieren auszahlen weis ich noch nicht If the vehicle needs to be repaired - please enter the workshop details here Name der Werkstatt Postleitzahl (Werkstatt) Telefon / Handy (Werkstatt) Straße und Hausnummer (Werkstatt) Ort (Werkstatt) E-Mail-Adresse (Werkstatt) Information about the accident Schadentag Schadenursache Schadenursache Schadenort Schadennummer der gegnerischen Versicherung Schadenhergang War jemand Zeuge des Schadenhergangs Ja Nein Angaben zu den Zeugen Hat die Polizei den Schaden Aufgenommen ? Ja Nein Aktenzeichen von der Polizei Important photos for accident documentation Identity cards Driving licenses Vehicle registration documents Accident scene Please send us photographs, accident sketches and other documents (if available) to the following email address: info@diekfz Schadensgutachter.de Ich bestätige, dass ich die vorstehenden Angaben wahrheitsgemäß und nach besten Wissen gemacht habe.Für die Richtigkeit übernehme ich die alleinige Verantwortung, auch wenn eine andere Person dieses Formular ausgefüllt hat. Mir ist bekannt, dass bewusst falsche Angaben den Verlust des Ersatzanspruches bewirken können und zwar auch dann, wenn sie für die Schadenfeststellung folgenlos bleiben Ich habe die Datenschutzerklärung zur Kenntnis genommen. All fields marked with (*) are mandatory. Onlineschadenmeldung absenden Vielen Dank für die Schadensmeldung! Wir melden uns schnellstmöglich zurück.
- Die KFZ-Schadensgutachter - Ihr unabhängiger Gutachter vor Ort
Free initial consultation The vehicle damage assessors Your expert appraiser in southern Thuringia and southern Hesse Inspection of all types of vehicles Get in contact! The vehicle damage assessors | Rhein-Main South Street 23 64589 Stockstadt am Rhein 0178/2731648 info@diekfz Schadensgutachter.de Accident checklist Initiate first aid measures Call emergency services Securing accident data Documentation of the accident site through photos Note down contact details of witnesses to the accident After a traffic accident that was not your fault, you should always hire an independent vehicle expert or damage assessor to secure evidence and prepare a damage report. The damage report is necessary to document the damage that has occurred and to determine the amount of the damage. As an experienced expert assessor, we are your ideal partner in this matter. The costs for the damage assessment and legal counsel of your choice are to be borne by the person causing the damage or their insurance company. We are also happy to support you in asserting further claims such as loss of value, rental car, loss of use, holding costs and the free choice of a specialist workshop. The opposing insurance company often wants to save itself these costs, but we make sure that nothing is wrongfully denied to you. Thanks to our many years of expertise as vehicle damage assessors and expert appraisers, you can rely on our high-quality work. We record the damage within 24 hours and prepare a comprehensive damage report, which we make available to you, the opposing insurance company and, if necessary, to the specialist lawyer and the specialist workshop. We are located in Thuringia for the catchment area of southern Thuringia and with our location in Stockstadt am Rhein for the South Hesse catchment area. This means we can guarantee you a quick and uncomplicated process directly on site. Do not hesitate to contact us to enforce your claims after a traffic accident. We are happy to help Free of charge Liability damage report Not at fault for the accident? Then you should definitely assert your rights and hire a neutral vehicle damage assessor or liability damage assessor! An experienced expert assessor will prepare a proper vehicle damage report that will protect you from financial disadvantages. learn more Reduced value report As experienced expert assessors, we assess leased vehicles on your behalf when they are returned and accident vehicles when dealing with liability insurers. As a lessee, you can also commission the vehicle damage assessors to carry out a loss of value assessment. learn more Classic car appraisal In order to officially register a vehicle as a classic car, a report is required. A thorough inspection not only examines the appearance and technology, but also determines the current market value. In addition to registering the classic car, the certificate can also be used as a basis for negotiating sales or insurance amounts. learn more Customer reviews Oliver Hollbach G Very friendly and quick processing The locations of the vehicle damage assessors at a glance Our branches in Neubrunn and Darmstadt enable uncomplicated and rapid on-site processing in our catchment areas of southern Thuringia and southern Hesse. Einzugsgebiete Rhein-Main ; Darmstadt ; Frankfurt am Main ; Offenbach am Main ; Neu-Isenburg ; Wiesbaden ; Dreieich ; Dietzenbach ; Dieburg ; Langen ; Mörfelden-Walldorf ; Rüsselsheim ; Mainz ; Kelsterbach ; Groß-Gerau ; Pfungstadt ; Heppenheim ; Bensheim ; Lampertheim ; Worms ; Mannheim Überschrift 5 What is the difference between a cost estimate and a damage report from a motor vehicle expert? A cost estimate (KVA) is simply a repair cost offer from a car repair shop. This only determines the expected repair costs. We as a car expert can also prepare a cost estimate. This is even advisable. This allows us to determine directly whether the damage is minor or not. A damage report is much more comprehensive and also serves to preserve evidence. In addition to determining the expected repair costs, a report also determines the commercial depreciation, replacement value and residual value of the vehicle involved in the accident. The expert also determines the expected repair time and the cost of a rental car. A report therefore contains all the information required to fully settle the damage with the opposing party's liability insurance. Who can commission a motor vehicle expert to assess my accident damage? You can commission an expert to prepare a report at any time. The only question is who will pay for it. In the case of liability damage, i.e. if you are the injured party, the costs must be borne by the other party or their liability insurance. This also applies if the opposing insurance company has already commissioned its own expert. If you are the injured party or if you are partially at fault, the opposing insurance company does not have to cover the costs or only partially. Who pays the costs of the motor vehicle expert for preparing an accident report? The costs for preparing a damage report are covered by the opposing party's liability insurance in the event of a traffic accident that was not your fault. The liability insurance can only refuse to cover the costs in cases where the damage does not reach the minor damage limit of EUR 750.00, as a cost estimate is sufficient for this. If the accident damage is less than EUR 750, we will provide you with a cost estimate. This must also be paid by the person who caused the damage or their liability insurance. Who pays the legal fees? It depends on whether you are the person who caused the damage or the person who suffered the damage. In the case of an accident that was not your fault, you have the right to hire a lawyer to claim the damages suffered from the opposing party's liability insurance. In this case, the opposing party's liability insurance must cover the costs. The amount of the damage is also irrelevant.