(1) The insurer reimburses to the policyholder those costs arising in the establishment and determination of the loss to be compensated to the extent that the expenses were necessary in view of the circumstances. These costs are also reimbursed to the extent that they exceed the sum insured, taken together with the other compensation.
(2) The insurer does not reimburse costs incurred by the policyholder on account of drawing on the services of an expert or counsel, unless the policyholder is contractually obliged to do so or was requested to do so by the insurer.
(3) If the insurer is entitled to reduce the benefits payable, he or she may also reduce the costs reimbursed accordingly.