Bei Beschädigung eines Fahrzeuges kommt es zunächst bei der Entschädigung darauf an, ob es sich um eine Beschädigung des Fahrzeugs unterhalb eines (wirtschaftlichen) Totalschadens handelt oder um einen (wirtschaftlichen) Totalschaden. Letzteres schließt auch den Verlust des Fahrzeuges ein. Gemäß A.2.6.1 AKB 2008 bzw. der entsprechenden Vorschrift in AKB 2015 leistet der Versicherer bei einem Totalschaden den Wiederbeschaffungswert abzüglich eines eventuellen Restwertes.
Wiedergabe der Texte:
A.2.6.1: Bei Totalschaden, Zerstörung oder Verlust des Fahrzeugs zahlen wir den Wiederbeschaffungswert unter Abzug eines vorhandenen Restwertes des Fahrzeugs. Lassen Sie ihr Fahrzeug trotz Totalschadens oder Zerstörung reparieren, gilt A.2.7.1.
A.2.7.1: Wird das Fahrzeug beschädigt, zahlen wir die für die Reparatur erforderlichen Kosten bis zu folgenden Obergrenzen:
a) Wird das Fahrzeug vollständig und fachgerecht repariert, zahlen wir die hierfür erforderlichen Kosten bis zur Höhe des Wiederbeschaffungswerts nach A.2.6.6, wenn Sie uns dies durch eine Rechnung nachweisen. Fehlt dieser Nachweis, zahlen wir entsprechend A.2.7.1.b.
b) Wird das Fahrzeug nicht, nicht vollständig oder nicht fachgerecht repariert, zahlen wir die erforderlichen Kosten einer vollständigen Reparatur bis zur Höhe des um den Restwert verminderten Wiederbeschaffungswerts nach A.2.6.6.
A.2.6.6: Wiederbeschaffungswert ist der Preis, den Sie für den Kauf eines gleichwertigen gebrauchten Fahrzeuges am Tag des Schadensereignisses zahlen müssen.
A.2.6.7: Restwert ist der Veräußerungswert des Fahrzeuges im beschädigten oder zerstörten Zustand.
Siehe auch: GAP-Klausel
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