Ein Unfallgutachten… wird sehr häufig nach einem Verkehrsunfall angefordert. Hier ist insbesondere die Schadensart und -höhe, der Wert bzw. Restwert des Fahrzeugs oder auch dessen Wiederbeschaffungswert von Bedeutung. Desweiteren werden im Gutachten die notwendigen Reparaturkosten festgesetzt. Das festgestellte Gutachten ist dennoch keineswegs verbindlich. Es dient lediglich als eine objektive Richtgröße und damit als Ausgangspunkt für die Abwicklung des Schadens. Das Gutachten stellt sicher, dass alle Schäden vollständig erkannt werden und der komplette Schaden beseitigt bzw. ersetzt wird. D.h. dass dem Geschädigten im Nachhinein keine Nachteile entstehen. Ganz oft stellt sich trotz Beseitigung des Schadens die Frage: Was ist mein Fahrzeug noch wert ? In diesem Zusammenhang wird hier grundsätzlich zwischen Haftpflichtfällen und Kaskofällen unterschieden. Kfz-Haftpflichtschäden Ein Schadensgutachten wird bei Schäden an Ihrem Fahrzeug dann erforderlich, wenn dies nicht auf Ihr Eigenverschulden zurückzuführen ist. In diesem Fall sind Sie als Geschädigte/r zivilrechtlich dazu im recht, den entstandenen Schaden nach § 249 BGB ersetzten zu lassen. Auf welche Art und Weise der Schadensersatz geleistet wird, kann vom Geschädigten selbst frei entschieden werden. So kann das Fahrzeug entweder in einer Werkstatt der Wahl repariert werden und die Erstattung der angefallenen Kosten abverlangt werden oder aber den aufgrund des Unfallgutachtens ermittelten Wert bei der Versicherung geltend gemacht werden. Ist aber von einem Totalschaden auszugehen, d.h. dass eine Reparatur nicht oder mit einem nur unverhältnismäßig hohem Aufwand möglich ist, so werden lediglich die Wiederbeschaffungskosten erstattet, die ebenfalls im Schadensgutachten ermittelt werden. Kfz-Kaskoschäden Wird ein Fahrzeug durch Eigenverschulden oder äußere Umstände, die man nicht direkt beeinflussen kann, so z.B. Diebstahl, Brand, Sturm, grundsätzlich durch höhere Gewalt beschädigt, liegt ein Kfz-Kaskoschaden vor. Die Kfz-Kaskoversicherung ist eine freiwillige Versicherung, die Sie gegen Beschädigungen, aber nicht gegen Schadensersatzansprüche absichert. Im Zweifelsfall ist die Versicherung nicht verpflichtet die Kosten aus dem entstandenen Schaden zu tragen. Im Umkehrschluss kann soweit nicht garantiert werden, dass bei einer Kostenübernahme jegliche Kosten durch die Versicherung erstattet werden. Darüberhinaus hat der Versicherte oftmals eine Selbstbeteiligung zu tragen. Sollten Sie eine Freigabe der Versicherung zur Erstellung eines Gutachtens durch einen unabhängigen KFZ-Gutachter erhalten haben, so stehen wir auch hier mit Rat
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