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: 0151 5360 8515 (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 – Donnerstag, 27.08., 09:00 Uhr bei Gaith · https://claimondo.de/kfz-gutachter/koeln
- Duisburg – Donnerstag, 27.08., 09:00 Uhr bei Sahin · https://claimondo.de/kfz-gutachter/duisburg
- Remscheid – Donnerstag, 27.08., 09:00 Uhr bei Hasan · https://claimondo.de/kfz-gutachter/remscheid
Jede Stadtseite nennt ihren nächsten freien Termin mit Name und Bewertung des Sachverständigen sowie einem Direktlink, über den sich genau dieser Termin ohne Anruf reservieren lässt. 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.