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Mit Zugriff auf Google, BORIS, und Deep Research.
The digital vehicle valuation offers speed, convenience, and cost efficiency in the event of damage, particularly through online assessments and mobile damage recording.
Online assessments accelerate damage regulation and enable up to 50% faster payouts through optimized processes and standardized reports.
Even in the digital age, the expertise of the expert remains crucial for an objective evaluation and the creation of legally secure reports, especially in cases of complex damages.
The vehicle valuation plays a crucial role in the event of a claim. An objective and precise assessment of the damage extent is the foundation for successful claims settlement with insurers and safeguards your financial interests. But how has valuation changed in recent years and what advantages does digitalisation offer in this area?
Previously, valuation was a time-consuming process often fraught with uncertainties. Today, online assessments and mobile damage recording provide an efficient and transparent alternative. Digitalisation offers the opportunity to speed up the process, reduce costs, and simultaneously increase the accuracy of the evaluation. Artificial intelligence (AI) and image recognition are playing an increasingly significant role in this.
The digitalisation of valuation presents numerous advantages but also poses challenges. Understanding the various aspects is crucial to making the best possible decision in the event of a claim. This article explores the different facets of digital valuation and shows how you can benefit from the latest technologies.
The mobile damage assessment is the first step in creating an online report. Careful documentation of the damage is crucial for an accurate evaluation. Here, you'll learn how to proceed to achieve optimal results.
Step-by-step guide to optimal image documentation
The following steps are recommended for comprehensive damage assessment: First, you should take overview images of the entire vehicle to show the context of the damage. Subsequently, detailed images of the damaged areas should be taken to document the extent of the damage precisely. Don't forget to record the vehicle data (e.g., mileage). Ensure that the images are taken in landscape format and under good lighting conditions. Many apps also offer schematic image templates that help you choose the correct perspectives. Gutachten Frieß, for instance, places great emphasis on the quality of the submitted photos.
The creation of the online report
Following the damage assessment, the online report is created. Algorithms and artificial intelligence are used to analyze the images and assess the damage. An independent appraiser reviews the results to ensure the appraisal is plausible. This process combines digital efficiency with expert consultancy. The platform CheckMyCrash uses AI, for example, to provide appraisers with all relevant information digitally.
Advantages and limitations of online valuation
Online valuation offers numerous advantages: it is fast, convenient, and cost-efficient. Many providers offer a 24-hour service and express processing. Online reports are particularly suitable for minor damages and straightforward cases. However, when it comes to complex damages and total losses, the limitations of online valuation are reached. In such cases, a personal appraisal by a surveyor is essential. Our specialized reports also offer you a comprehensive assessment in complex cases.
Online Expert Reports can significantly speed up the claims settlement process. By using optimised processes and standardised reports, communication with insurance companies is simplified and accelerated. An accident reporting service can even notify the insurer proactively.
Accelerating Insurance Payouts
Online Expert Reports expedite payments by optimising the claims settlement process. Standardised reports and efficient communication with insurers contribute to faster insurance payouts. Some providers, such as Gutachten Frieß, even promise up to 50% faster payments. This is achieved through pre-negotiated relationships with insurers and optimised report formats. Our insurance consultancy helps you find the optimal coverage.
The Fictional Settlement: Payout Without Repair
The fictional settlement allows you to receive compensation without having the vehicle repaired. The legal basis for this is §249 Clause 2 BGB. In the event of a total loss, compensation is calculated based on the replacement value minus the residual value. If you decide to repair the vehicle later, you may be entitled to a refund of the VAT. The platform CheckMyCrash supports fictional settlements digitally and without a workshop visit.
Advantages and Disadvantages of Fictional Settlements
Fictional settlements offer you flexibility and financial freedom. You can decide if and when you want the vehicle repaired. However, you should bear in mind that unrepaired damage can lead to a decrease in the vehicle's value. Fictional settlements are particularly suitable for vehicles with low residual value. However, there is a risk of undiscovered damage. Even with a fictional settlement, depreciation is relevant. Our value assessment helps you realistically estimate the loss in value.
The market for digital valuation is diverse. Various platforms and service providers offer different approaches and services. Here you'll find an overview of some of the key providers.
Overview of different platforms and service providers
TÜV Nord SofortGutachten offers immediate damage assessment through a hybrid model. This combines on-site inspection with remote assessment. The repair cost calculation is completed within 60 minutes. The four-eye principle and the autolytic app ensure high quality. TÜV Nord relies on a combination of digital technology and human expertise.
CheckMyCrash provides online appraisals and express processing. The WebApp enables online orders and real-time expert search. If the damage images are sufficient, the appraisal creation is done online. The third-party damage processing is free of charge. CheckMyCrash strongly focuses on digitizing the process.
Gutachten Frieß offers mobile-based damage recording with a focus on image quality. The turnaround is 24 hours, and the service extends to the receipt of funds. Gutachten Frieß provides regional expertise in Stuttgart/Karlsruhe.
Comparison of business models and unique features
The different providers distinguish themselves by their hybrid approaches vs. pure online solutions. Some providers rely on a combination of on-site service and digital technology, while others handle the entire process online. Geographic focus and regional expertise also play a role. The scope of services (e.g., legal representation) and technological innovations (e.g., AI-based image analysis) are additional distinguishing features.
Even in the digital age, the expert plays a crucial role. His independence and expertise are indispensable for an objective assessment of the damage.
Independence and Expertise: Indispensable Qualities
Experts guarantee an objective assessment as they remain neutral towards insurers and workshops. Their profound knowledge and experience enable the creation of legally sound reports. Evaluating the condition by an expert is often essential.
Adapting the Profession to Digitalisation
Experts are increasingly using digital tools and platforms to make their work more efficient. Remote assessments and online communication allow for quicker processing. Efficient data analysis and report generation also contribute to increased efficiency. Continuous training in digital technologies is essential for experts.
The Future of Expertise: Human Expertise Remains Crucial
Even though AI and automation are gaining importance, human expertise remains decisive. Complex damage cases require human judgement. Building trust and personal advice are also important aspects. Experts bear an ethical responsibility and ensure quality assurance. The digital damage assessment can support the process, but not replace it.
Depreciation and total loss are special aspects of valuation that require specific expertise.
Calculating Depreciation
The calculation of depreciation considers various factors, such as the age and condition of the vehicle, the type and extent of the damage, and the quality of the repair. A professional valuation takes all these aspects into account to provide a realistic assessment of the loss of value. TÜV Nord SofortGutachten offers expertise in evaluating depreciation, even for older vehicles.
Specifics of Total Loss
In the case of an economic total loss, the repair costs exceed the replacement value. For a technical total loss, the vehicle is beyond repair. In both cases, the replacement value minus the residual value is paid out. Even in the event of a total loss, fictitious invoicing is possible. CheckMyCrash supports fictitious invoicing even in cases of economic total loss.
Special Cases and Specific Appraisals
For vintage cars and vehicles with modifications and custom fittings, specific appraisals are required. These appraisals take into account the unique features of the vehicle to provide a realistic valuation. There are also special requirements for condition reports and valuation appraisals. These appraisal reports serve to document the vehicle’s condition for sales purposes or for insurance and financing. Our cost overview gives you a summary of the different types of appraisals.
Digital valuation offers many advantages, but also presents challenges, especially with regard to data protection and quality assurance.
Data Protection and Security
The secure handling of sensitive vehicle data is of utmost importance. Compliance with the GDPR and other data protection regulations is essential. Encryption and secure data transmission are important measures to protect the data. Transparent data processing procedures build trust. The revolution in damage assessment through digital solutions must be accompanied by a high level of data security.
Quality Assurance and Standardisation
Ensuring consistently high appraisal quality is a central challenge. Certifications and quality standards contribute to securing quality. Continuous process improvement and the training and further education of appraisers are also important. The mobile-based damage capture by Gutachten Frieß, for example, places great emphasis on the quality of submitted photos to ensure high appraisal quality.
The Future of Valuation: AI, Blockchain and More
The future of valuation will be shaped by AI, Blockchain and other technologies. The automation and efficiency gains through artificial intelligence will continue to increase. Secure and transparent data management through blockchain technology will gain importance. Integrating sensor data and telematics will open up new possibilities. Personalised and demand-driven services will play a greater role in the future. Our financing advice helps you plan the investment in new technologies.
Digital valuation offers vehicle owners a variety of benefits and opportunities. By using modern technologies, you can expedite the claims adjustment process, save costs, and at the same time receive an objective and accurate assessment of your damages.
Summary of Key Insights
The advantages of online appraisals prevail. They offer speed, convenience, and cost efficiency. The processes are transparent and communication is simple. Claims adjustment is expedited. The digital transformation of claims adjustment offers numerous benefits for all involved.
Outlook on Future Development
Digitalisation will continue to change the valuation process. AI and automation will become more significant. The role of experts will evolve. The focus is on customer satisfaction and efficiency. Property valuation also benefits from advances in digital technology.
Recommendations for Vehicle Owners and Policyholders
Take advantage of digital valuation. Learn about the different providers. Pay attention to quality and transparency. Safeguard your financial interests. The cost overview helps you compare the different offers.
Digital valuation offers you the opportunity to make the claims adjustment process more efficient and transparent. Seize this opportunity and benefit from the advantages of modern technology!
Do you want to determine the value of your property precisely? Auctoa offers you a fast and reliable solution with AI-supported valuation. Secure your individual valuation now and benefit from our expertise. Contact us today!
Summary of Key Trends and Developments
The digital transformation is shaping vehicle valuation. Mobile-first approaches, AI-based systems, and hybrid models are on the rise. The focus is on speed, efficiency, and customer satisfaction. Valuation has fundamentally changed due to these developments.
The Digital Transformation of Vehicle Valuation
Digital transformation has fundamentally changed vehicle valuation. Mobile-first approaches, AI-based systems, and hybrid models are on the rise. The focus is on speed, efficiency, and customer satisfaction. These developments have led to faster, more transparent, and cost-effective claims processing.
Outlook on Future Innovations and Technologies
The advancement of AI and image recognition will further enhance accuracy and automation. The use of augmented reality and virtual reality is also conceivable. Our cost overview shows how these innovations might impact pricing.
Enhancing Accuracy and Automation
The advancement of AI and image recognition will further enhance the accuracy and automation of vehicle valuation. AI systems will be able to detect and assess damages even more precisely. Additionally, they will be able to determine the repair costs and depreciation of the vehicle with greater accuracy. This will lead to even more efficient and cost-effective claims processing.
The Importance of Customer Orientation for Successful Valuation
Customer orientation is crucial for successful valuation. Personalised care and transparent communication are important. This builds trust and long-term customer relationships. Adapting to individual customer needs is essential. Our analysis of under- and overvaluation illustrates the importance of accurate valuation.
Personal Care and Transparent Communication
Personalised care and transparent communication are crucial for successful valuation. Customers must feel well-advised and informed. Assessors need to cater to their individual needs and answer all their questions. Furthermore, they must keep customers informed throughout the claims process. This builds trust and strengthens customer loyalty.
Do you want to determine the value of your vehicle precisely and avoid costly mistakes? Our experts help you achieve the optimal price. Secure a non-binding consultation now and benefit from our expertise! Contact us today!
TÜV Rheinland offers information on digital claims management and its benefits.
Bürgerliches Gesetzbuch (BGB) – Here you will find the legal text of § 249, which forms the basis for compensation claims.
Fraunhofer Institute researches digital claims management systems and innovative technologies for value assessment.
What is the advantage of an online appraisal compared to a traditional appraisal?
Online appraisals are generally faster, more cost-effective, and convenient. They enable quicker claim settlements and are especially suited for minor damages.
How does mobile damage assessment work?
In mobile damage assessment, you document the damage using your smartphone. Overview photos, detailed images, and vehicle data are captured and sent to the appraiser. Many apps offer schematic image templates for assistance.
Is an online appraisal possible in the case of a total loss?
For a total loss, a personal inspection is often necessary, but the theoretical settlement can also be digitally supported in such cases. Payment is based on the replacement value minus the residual value.
What does theoretical settlement mean?
Theoretical settlement allows you to receive compensation without having the vehicle repaired. The legal basis for this is §249 sentence 2 BGB.
What role does the expert play in the digital age?
Even in the digital age, the expertise of the appraiser is crucial. They ensure an objective evaluation and produce legally sound appraisals.
How is the depreciation calculated?
The calculation of depreciation takes into account the age and condition of the vehicle, the type and extent of the damage, and the quality of repair.
Which providers offer digital valuation services?
There are various providers like TÜV Nord SofortGutachten, CheckMyCrash, and Gutachten Frieß. They differ in their approaches, services, and geographic focus.
What challenges exist in digital valuation?
The main challenges are data protection, data security, and ensuring consistently high appraisal quality.
