Been in an accident?
Your car appraiser in Erkelenz.

In a no-fault accident in Erkelenz with damage over 750 €, you pay 0 €. The opposing third-party insurer covers all costs under §249 BGB. Fees based on the BVSK-Honorartabelle in Erkelenz range between 550–2.200 €.

Claimondo refers you in Erkelenz to certified partner appraisers with local expertise. You report the damage online (5 min, no registration) — we match you with the nearest available appraiser from the partner network. On-site appointment in under 48 hours. Available in Erkelenz (postcode 418) and the surrounding region of Nordrhein-Westfalen.

For claim settlement disputes in Erkelenz, the Amtsgericht Erkelenz has first-instance jurisdiction up to a claim value of 5,000 €; above that, the Landgericht Mönchengladbach (§ 23 no. 1 and § 71 (1) GVG). Most reduction disputes — cut appraisal fees, UPE surcharges, diminished value, loss of use — fall below this threshold and are therefore heard before the local court. If an insurer makes unlawful reductions or takes legal action against an assessment, our partner law firm for traffic law files at whichever court has jurisdiction. If successful, the opposing party bears legal and court costs. You pay 0 € (under §249 BGB, subject to acknowledgement by the opposing third-party insurer).

Yes. As the non-at-fault party you appoint the assessor — not the other side's insurer. You are not obliged to accept their offer to send their own inspector: an assessor instructed by the opposing insurer does not act in your interest.

Below roughly €750 in damage, yes — that is the minor-damage threshold. Above it, no: a cost estimate quantifies the repair alone. Diminished value, loss of use, replacement and residual value are missing from it, and those items account for a substantial share of the compensation.

Insurers such as HUK, LVM, and AXA typically reduce UPE surcharges, delivery costs, and diminished value through audit services (ControlExpert, K-Expert, DEKRA). However, the BGH supports injured parties in the landmark rulings VI ZR 65/18, VI ZR 174/24, and VI ZR 38/22 ff. Our partner law firm recovers the full reductions.

With the Sicherungsabtretung (security assignment) under §398 BGB, the injured party transfers the claim against the opposing insurer — up to the amount of the appraiser's fee — to the appraiser. You sign once; the appraiser then invoices the insurer directly. You pay nothing upfront. This is the industry standard.

The measurable diminished value (merkantile Wertminderung) according to the Sanden/Danner formula ranges between 500 € and 2,500 €. Rule of thumb: year 1: 25 %, year 2: 20 %, year 3: 15 %, year 4: 10 % of repair costs. No fixed age limit according to BGH VI ZR 357/03.

After a non-at-fault accident, yes — under § 249 BGB the opposing liability insurer covers a rental car of comparable class for the duration of the repair or replacement. Alternatively it pays loss-of-use compensation in cash, graded by vehicle group and days off the road. If you drive little, the cash option is often the better deal.

Yes, free choice of repair shop remains yours. The opposing insurer may not refer you to a partner workshop if you want the repair carried out at a brand-authorised specialist — this applies in particular to newer vehicles or those with a full service history.

The 130% rule (BGH VI ZR 67/91) allows repair costs of up to 130 % of the replacement value — provided the vehicle is professionally repaired in accordance with the assessment and is used for at least 6 months after.

Im Süden von Erkelenz sind Straßenverläufe wegen des Tagebaus mehrfach verlegt worden, und Navigationsdaten hinken diesen Änderungen regelmäßig hinterher. Fahrer folgen einer Route, die es so nicht mehr gibt, und bremsen oder wenden an unerwarteter Stelle. Kommt es dort zum Unfall, ist die Beschilderungslage Teil des Sachverhalts: Fotografieren Sie deshalb auch Verkehrszeichen und Absperrungen, nicht nur die Fahrzeuge. Hinzu kommt schwerer Baustellenverkehr mit entsprechend hoher Massendifferenz bei Kollisionen.

Erkelenz liegt zwischen zwei Autobahnen: Die A46 endet wenige Kilometer westlich, die A61 verläuft östlich am Stadtgebiet vorbei. Je nachdem, auf welcher Seite Ihr Fahrzeug steht, sind Abschleppweg und Anfahrt unterschiedlich. Für Ihren Anspruch ändert das nichts – die gegnerische Haftpflicht trägt nach § 249 BGB auch Bergungs- und Standkosten. Wichtig ist nur, dass Sie das Fahrzeug nicht auf eigene Rechnung quer durch den Kreis fahren lassen, bevor der Schaden dokumentiert ist.