You handle step 1. We handle the rest. Advisor callback in under 15 minutes, DAT appraiser on-site in under 48 hours, lawyer enforces every claim. Trackable live in the portal.
The process in detail
Online in 5 minutes — name, phone, city. No registration, no forms. Or directly by phone.
Upload 1–3 photos (optional), describe the accident in one sentence — done. No documents, no insurance policy number. We take care of the rest.
Personal callback in under 15 minutes. One dedicated contact for the entire case — no call centre.
They clarify your claims with you: repair, diminished value (Wertminderung), rental car, loss of use (Nutzungsausfall), legal costs. You do NOT speak directly with the opposing insurance — this avoids the typical 30–40 % audit-service reductions (NDR report 2022, Verbraucherzentrale, BGH VI ZR 38/22 ff.).
On-site in under 48 hours — usually the next day. Independent, certified, complete evidence documentation.
Appointment at your location, at the repair shop, or at the advisor's office. Expert report within 5 business days — including commercial diminished value (merkantile Wertminderung) per Sanden/Danner, residual value (regional), and repair calculation in line with the BGH brand workshop standard.
Our partner law firm handles all correspondence with the opposing insurance — including responses to audit reports and reductions.
Against ControlExpert/K-Expert reductions, the partner law firm responds with reference to BGH VI ZR 65/18 (UPE), VI ZR 174/24 (blending/respray), VI ZR 38/22 ff. (workshop risk). Court proceedings before the competent Landgericht if necessary — the opposing party pays.
Ø 32 days from filing to payout. Track every step live in the Claimondo portal.
In cases of reductions or disputes it may take longer — you can see the status at any time, and your advisor stays in the loop. For own-damage repairs (Eigenkasko) where you are not at fault, costs can be settled directly between the expert/repair shop and the insurance via Sicherungsabtretung (§398 BGB) — you pay nothing upfront.
The Claimondo Portal
See what's happening in real time: expert en route, lawyer active, payment in progress. No phone calls, no waiting — every step in one app, fully transparent.
Live Tracking
Your expert's location in real time.
My Money
Repair, diminished value, rental car, loss of use — itemised.
My Lawyer
A dedicated contact at our partner law firm specialising in traffic law.
My Tasks
What you need to do and when — including push notifications.
My Progress
Progress bar steps 1 to 12 — all the way to money in your account.
Your Case
CLM-2026-0518-K
My Money (estimated)
"Uber" is a registered trademark of Uber Technologies, Inc. — the reference is made solely for purposes of analogy; there is no business relationship between Claimondo and Uber Technologies.
Personal Support
"Once we have your report, we handle everything. You'll hear from me within 15 minutes, the expert will be with you the next day, and I'll check in personally at every milestone. You won't need to speak to the opposing insurance once."
— Claimondo Claims Support
What happens in the first days after an accident determines the value of your claim. These seven mistakes cost money in practice most often — all avoidable with the right sequence of steps.
Why: "We'll take care of everything" means: claims steering to a partner workshop, no independent expert, no diminished value — typically 30–40% less in entitlements due to audit-service reductions (NDR investigative report 2022, Verbraucherzentrale, BGH VI ZR 38/22 ff.).
Better: Do not speak to the opposing insurance by phone. Report your claim with Claimondo — we handle all communication.
How to avoid this mistake →Mehr erfahrenWhy: "Who pays the piper calls the tune." — Insurance appraisers systematically underestimate damage. Examples: €2,000 instead of €9,000 after dismantling.
Better: You have a statutory right to an independent expert of your choice — at no cost if the accident was not your fault.
How to avoid this mistake →Mehr erfahrenWhy: Settlement declarations waive all future claims — including late-onset injuries or hidden vehicle defects.
Better: Never sign without a lawyer. If the accident was not your fault, the opposing party covers 100% of legal fees.
How to avoid this mistake →Mehr erfahrenWhy: Police officers are not automotive technicians. Hidden damage to chassis rails, control units, or the battery (EVs) goes undetected.
Better: Always commission an independent damage report — even for seemingly minor accidents.
How to avoid this mistake →Mehr erfahrenWhy: Without an expert report you forfeit diminished value (in year 2, approx. 20% of repair costs) and have no evidence in later disputes.
Better: Expert report first, then repair. Diminished value is your right regardless of whether you choose to repair.
How to avoid this mistake →Mehr erfahrenWhy: In a subsequent second accident at the same location, without proof of repair the insurer can refuse settlement entirely (HIS file).
Better: Two-photo rule: photograph the vehicle after repair with a dated newspaper in the frame. One wide shot and one close-up of the repaired area.
How to avoid this mistake →Mehr erfahrenWhy: Security cameras at petrol stations, car parks, and shops typically overwrite recordings after 3–4 weeks. Request too late and the evidence is gone.
Better: Request video footage within 48 hours. We coordinate the request through our partner law firm for traffic law where legal evidence preservation is required.
How to avoid this mistake →Mehr erfahrenSources: ADAC, Verbraucherzentrale, RA Günter Fenderl (specialist lawyer, traffic law), Bernd Hertfelder (publicly appointed and sworn automotive expert), Knowledge Base Initial Consultation May 2026
Who is behind Claimondo
We know what it's like to face an insurance company after an accident. That's exactly why we founded Claimondo.
Managing Director, CEO & Co-Founder
Nicolas leads Claimondo and is the point of contact for insurance partnerships and strategic law firm collaborations. His drive: making claim settlement in Germany transparent and on equal terms — no insurer boilerplate, no reduction tactics.
"It's not about who I am, but what I do. That's how one is measured." — Batman
Managing Director, COO & Co-Founder
Aaron oversees Operations, Product, and the tech platform at Claimondo. With a background in sales and account management at nextright and AdvoScale, he knows exactly where the leverage lies between customer promise and actual payout. Aaron is the interface between expert appraisers, lawyers, and our software.
"Quality means doing it right when no one is watching." — Henry Ford
Frequently asked questions about the process
Within 15 minutes during business hours — 08:00 to 20:00. Outside those hours, the next working day morning. You can write via WhatsApp at any time.
No — and you shouldn't. As soon as you report your claim with us, our partner law firm for traffic law takes over all communication. If the opposing insurance contacts you directly: simply forward it to us.
That happens frequently. ControlExpert / K-Expert produce audit reports without inspecting the vehicle and systematically reduce UPE, transport costs, and Wertminderung (diminished value). Our partner law firm for traffic law responds with BGH references (VI ZR 65/18, VI ZR 174/24, VI ZR 38/22 et seq.) and recovers the deductions in full. If necessary through litigation — the opposing party also pays the legal and court costs.
Yes, live in the Claimondo portal: the expert's location, status of the repair estimate, incoming insurance responses, projected payment date. Also available as a mobile app with push notifications on every status change.
No. Sicherungsabtretung under §398 BGB transfers the claim for the expert's fee directly to the appraiser — who settles with the insurance. Repair via the workshop works the same way. In a no-fault accident you pay €0 out of pocket (under §249 BGB, subject to acknowledgement by the opposing liability insurer).
No problem. Our main focus is NRW, but the partner network covers 72 major German cities — Berlin, Hamburg, Munich, Frankfurt, Stuttgart, Hannover, Leipzig, Dresden, Bremen, Kiel and more. City pages with local Landgericht / bar association / BVSK-Honorartabelle range at /kfz-gutachter/<stadt>.
Step 1 is yours. We handle the rest.
More on this: What is legally permitted for online Kfz-Gutachten (LG Bremen 2026)
