In the streets in Germany there are lots of crashes in the day. Fortunately, there are mostly “only” metal damage – and next to the excitement, nothing serious has happened to anyone. Also who has the “guilt” it is often fixed quickly. But even then, You should insist on a neutral expert, who isn’t determined from the opposing insurance. That’s Your right – and the costs must be covered by the insurance. With this way, You are really sure that Your damage is regulated with an unaffected amount and You have no disadvantages to worry about.