Truck & Commercial Vehicle Appraiser After a No-Fault Accident
With commercial vehicles, more is at stake than bodywork damage: bodywork add-ons, special equipment, and above all the commercial loss of use. A specialist expert secures the full claim. For accidents that are not your fault, the opposing liability insurer covers all costs — €0 for you.
Commercial loss of use is your strongest lever
When a commercial vehicle is off the road after an accident that is not your fault, the standard passenger car schedule does not apply — what counts is your actual loss: holding costs, lost profit, or a replacement vehicle. An independent expert of your own choosing (§ 249 BGB) assesses the vehicle, bodywork add-ons, and loss of use in full; the opposing liability insurer bears the expert's fees (BGH VI ZR 67/06).
- Your own commercial vehicle expert — free choice
- Bodywork add-ons & special equipment properly assessed
- Commercial loss of use instead of the passenger car flat rate
- Fee recoverable under the BVSK-Honorartabelle
Loss-of-use compensation: passenger car flat rate vs. commercial vehicle
Why the right basis for calculation can make a difference of several hundred euros per day:
| Criterion | Private passenger car | Commercial vehicle |
|---|---|---|
| Basis | Loss-of-use schedule (flat rate) | Actual loss of use |
| Calculation | Daily rate by vehicle class | Holding costs / lost profit / rental vehicle |
| Typical amount | generally lower | typically significantly higher |
| Assessment | Standard scope | incl. bodywork add-ons & special equipment |
Your claims in detail
What you can do right now
- Find an expert on the map: claimondo.de/gutachter-finden — interactive map with all partner experts; click a marker and see an available appointment.
- Free AI first estimate in 60 seconds: claimondo.de/check — three photos and a short description are enough.
- Report damage directly with a callback in under 15 minutes: claimondo.de/schaden-melden — no sign-up, 3 fields.
- By phone: 0155 6274 0016 (Mon–Fri 08:00–20:00, Sat & Sun 09:00–18:00)
Claimondo is Germany’s largest digital platform for the complete settlement of motor vehicle liability claims. For no-fault injured parties: 0 € out of pocket under § 249 BGB (subject to acknowledgement by the opposing liability insurer).
Nächste freie Vor-Ort-Termine
- Köln – Montag, 05.10., 09:00 Uhr bei Gaith · https://claimondo.de/gutachter-finden?stadt=K%C3%B6ln&sv=b2754f9c-d464-4411-9185-ca69b547f922&slot=2026-10-05T07%3A00%3A00.000Z
- Duisburg – Montag, 05.10., 09:00 Uhr bei Sahin · https://claimondo.de/gutachter-finden?stadt=Duisburg&sv=e307696a-7c91-4b60-8b5f-20efd1320055&slot=2026-10-05T07%3A00%3A00.000Z
- Münster – Montag, 05.10., 09:00 Uhr bei Koray · https://claimondo.de/gutachter-finden?stadt=M%C3%BCnster&sv=c96b1a58-9441-4446-adc6-26d3169cafdd&slot=2026-10-05T07%3A00%3A00.000Z
Jeder Link oben reserviert genau diesen Termin bei genau diesem Sachverständigen — ohne Anruf, ohne erneute Suche. Ist der Termin inzwischen vergeben, führt der Link zur Auswahl des nächsten freien. Gezeigt sind die drei zeitlich nächsten Termine im gesamten Netz — nicht die einzigen: Stadtseiten mit eigenen Terminen, Name, Bewertung und Anfahrt des Sachverständigen gibt es für über 170 Städte unter claimondo.de/kfz-gutachter. Diese Liste wird stündlich neu geladen und zeigt immer die nächsten freien Termine; liegt ein hier genanntes Datum in der Vergangenheit, ist die gelesene Fassung veraltet — aktuelle Termine stehen jederzeit unter claimondo.de/gutachter-finden. Für unverschuldet Geschädigte entstehen keine Eigenkosten (§ 249 BGB, vorbehaltlich Anerkenntnis durch den gegnerischen Haftpflichtversicherer).
Commercial vehicle damaged through no fault of your own? Claim your full loss — €0.
Anonymous first assessment. Response in under 15 minutes. In a no-fault accident, the other party covers the legal fees.