Can I Get Cash Compensation Without Repairing the Car After Damage Assessment?
2 Answers
Insurance companies require the car owner to provide repair invoices and repair lists issued by the repair shop as proof of claim. Without repairing the car, there will be no repair documents, making it impossible to proceed with the normal claim process. Below is an introduction to relevant insurance purchase information: 1. Purchase Method: Car insurance can be reasonably purchased according to the owner's needs, either at a 4S shop or elsewhere. Generally, when buying a car on loan, insurance must be purchased in-store, and a certain renewal deposit will also be charged. 2. Compulsory Traffic Insurance: This is a mandatory insurance in China, a type of insurance that all vehicles must purchase. If the vehicle involved in an accident has compulsory third-party liability insurance for motor vehicles, the insurance company will pay the rescue expenses within the liability limit.
After my car was assessed for damages from an accident, I did try to take cash compensation without repairing the car. The insurance claims adjuster told me that minor scratches and dings were acceptable, but it ultimately depends on the insurance company's policy. Some companies require repairs to ensure safety, otherwise, future claims may become problematic. I personally experienced this once—I took the cash and continued driving without repairs, only to face disputes during a subsequent minor accident. The insurance company refused to cover damages for the unrepaired parts, resulting in both financial loss and frustration. My advice is to confirm with your insurer after the damage assessment, especially for minor damages, and ask if direct cash compensation is possible. Additionally, skipping repairs can affect your car's condition and safe driving, such as issues with the suspension or non-functional lights, which could lead to accidents.
