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Message: <blockquote data-quote="aoch88" data-source="post: 538956" data-attributes="member: 8491">Yo bro, here is what I can offer:1. First of all, Allianz is one of the good insurance companies around. By saying it's "good", it means they approve claims quite fast compared to others like Kurnia, etc so don't worry about slow claims <img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" class="smilie smilie--sprite smilie--sprite1" alt=":)" title="Smile    :)" loading="lazy" data-shortname=":)" />2. Normally the investigation is also fast (assuming both parties reported) and can be obtained within the same day. Once the IO decided the party at fault, he will issue a summon to that party and grant you permission to claim insurance from him.3. The way it works nowadays is that you are actually claiming your insurance for the repair work and then your insurance company claims back from the other party's insurance. Sounds confusing? Haha. Nevertheless this process will not result in losing your NCD because you are not the party at fault.4. As for the repair, insurance companies will require you to do it from their panels. I'm not sure if BMW itself is a panel but you can check out with Allianz or your dealer.</blockquote>