Accident without fault — what you are entitled to now
Anyone not at fault for an accident has the right to full restoration (§ 249 BGB). From the expert report to pain and suffering compensation, the opposing liability insurer covers everything — 0 € out of pocket for you.
The principle: you should be in the same position as if the accident never happened
§ 249 BGB requires Naturalrestitution — the full restoration of your pre-accident situation. This gives rise to your individual claims, as well as three important freedoms: free choice of expert, free choice of repair shop (BGH VI ZR 53/09), and free choice of lawyer. No one may refer you to the insurer's appraiser or their "partner network."
- Free choice of expert
- Free choice of repair shop
- Free choice of lawyer
Your claims at a glance
Each item is enforceable individually. Tap for the legal classification with BGH reference:
Damage report
Independent expert report of your free choice — at no cost to you.
Repair costs
Repair at your preferred garage — fictional billing also permissible.
Diminished Value
Merkantile Wertminderung as a standalone damage item.
Loss of Use
Compensation per day without your vehicle — even without a rental car.
Rental Car
Replacement vehicle for the duration of repair or replacement procurement.
Total Loss
In the event of economic total loss: replacement value minus residual value.
Legal Fees
Out-of-court representation — borne by the opposing party.
Pain and Suffering
For personal injury claims under § 253 Abs. 2 BGB.
Step by Step Through the Claims Settlement Process
The complete process — from the accident scene to payout — and what the insurance company won't tell you on its own:
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: 0221 25906530 (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).
Not at fault? Claim everything you're entitled to — €0 cost to you.
Anonymous first assessment. Response in under 15 minutes. In a no-fault accident, the other party covers the legal fees.