Expert or appraiser — what is the difference?
In a car claim, both terms mean the same — what matters is not the title but independence and qualification.
Direct Answer · § 249 BGB · § 36 GewO · BGH VI ZR 67/06
The term
“Appraiser” and “expert” are interchangeable in a car claim — both assess the amount of damage, diminished value and repair path. Neither term as such is legally protected.
The qualification
Reputable car experts are certified to DIN EN ISO 17024 (DEKRA, KÜS, TÜV, DAT) or organised in the BVSK. The highest level is public appointment and swearing-in by the IHK (§ 36 GewO) — examined, special expertise.
Independence
The at-fault insurer’s appraiser works for the insurer — their goal is a low claim amount. Your own, independent expert assesses neutrally in your interest. In case of third-party fault, the other side bears the cost of your expert (§ 249 BGB).
Your free choice
You may choose your expert freely — the at-fault insurer may not impose one on you (“claim steering”). The cost of your own appraisal is a reimbursable item of damage, provided it is not a minor claim (under around €750).
Frequently asked questions
Is it Kfz-Sachverständiger or Kfz-Gutachter?
Both are correct — in a car claim the terms are used synonymously. Neither “expert” nor “appraiser” is a legally protected job title. Only the additional title “publicly appointed and sworn” (§ 36 GewO) is regulated and requires a passed IHK expertise examination.
Do I need my own appraiser after an accident?
After a no-fault accident with damage over around €750, yes. Your own independent appraisal documents repair costs, diminished value and replacement value in your interest. The cost is borne by the at-fault liability insurer as part of the damage (§ 249 BGB). For minor claims under ~€750, a cost estimate is usually sufficient.
What does “publicly appointed and sworn” mean?
These experts have passed an examination of special expertise before the Chamber of Industry and Commerce (IHK) (§ 36 GewO) and are sworn to impartiality. It is the highest qualification level and carries particular weight in court. Alongside this, certifications to DIN EN ISO 17024 (DEKRA, KÜS, TÜV, DAT) and BVSK membership are recognised quality features.
May the at-fault insurer prescribe an appraiser for me?
No. You have the right to freely choose your expert (BGH VI ZR 67/06). If the at-fault insurer offers its “own” appraiser or a “free” claim handling, that is claim steering in its interest — you may decline and commission an independent expert.
What should I look for when choosing?
Independence (no contract with the at-fault insurer), a recognised certification or public appointment, calculation-proof software (DAT/Audatex) and fast regional availability. Claimondo refers exclusively independent, qualified experts near you — an appointment usually within 48 hours.
Had an accident? Secure your own appraiser.
Independent, qualified, near you — appointment usually within 48 hours. In case of third-party fault, €0 for you.