Stupid question: How do you report a stone chip to your partial comprehensive insurance?

Fortunately, I have never had to make a claim on any kind of insurance in my life, but I am therefore very inexperienced in this area: Since last Saturday, I've had what's known as stone chip damage in my car's windshield – a crack about 50 cm long from the bottom left corner of the…

Replacement value too low, any experiences?

Unfortunately, one of our vehicles was damaged by wildlife. According to the appraiser appointed by the insurance company, the damage amounted to approximately €15,000. Total loss. The problem with the whole thing is that the appraiser estimated the replacement value at €18,500 and, even better, referred to the private market. We bought the vehicle as…