[FDSGSG]

This is only the case if they can show that the crash occurred due to you driving at an excessive speed. It's by no means the case that getting into a crash on the autobahn going 200km/h automatically means that you're not getting a full payout.

[FDSGSG]

Oh also, if you have vollkasko this is very unlikely to ever be an issue unless you were being grossly negligent (e.g. fiddling with the navigation while going 200km/h+), you're covered against "regular" contributory negligence.