Can I Get Compensation Without Repairing the Car After Damage Assessment?

1 Answers
IsaacFitz
07/29/25 7:54pm
It depends on the specific situation. Here is the relevant information: 1. Requirements: When filing a car insurance claim, the owner needs to submit the repair invoice and repair list issued by the repair shop as proof of claim. Only after submission will the insurance company pay the compensation based on the corresponding expense documents. In this case, compensation cannot be obtained without repairing the car. 2. Compensation: However, for cases with compensation amounts below 10,000 yuan, the quick damage assessment and claim channel can generally be used with on-site photos, and there is no need to submit relevant repair documents. The compensation can be obtained after the insurance company completes the review, and whether to repair the car or not is up to the owner's personal preference. However, quick claims should not be abused because car insurance premiums are not fixed. The number of claims will affect the premium discounts for the following year, and frequent use may lead to an increase in the next year's premium.
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