Can I receive the compensation without repairing my car after the damage assessment?
3 Answers
It depends on the specific situation. Here is the relevant information: Requirements: For car insurance claims, 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. Compensation: However, for cases with relatively low compensation amounts, a fast damage assessment and claim channel can usually be used with on-site photos, without the need to submit relevant repair documents. The owner can receive the compensation after the insurance company's review, and whether to repair the car is up to the owner's personal preference. However, fast claims should not be abused because car insurance premiums are not fixed. The number of claims will affect the premium discount for the following year, and frequent use may lead to an increase in the next year's premium.
I've been driving for over 20 years, an old hand at this, and I've encountered this situation several times. Can I get the money if I don't repair my car after the damage assessment? Generally speaking, of course! Once the insurance company completes the damage assessment, it means they've confirmed the compensation amount. Whether you repair the car or not, they will transfer the money to your bank account, provided you sign the assessment form and provide your account details. I once had a minor scrape assessed at 20,000 yuan, and after the money came through, I didn't repair the car but used it to fix my roof instead. However, you need to be careful. When the insurance company isn't strict with checks, it might be fine, but not repairing the car could affect your next claim or vehicle inspection. If you have another accident and the original damage is exposed, it could be troublesome. Insurance policies usually don't mandate repairs; they only emphasize fulfilling the compensation obligation. It's advisable to review your policy details regularly to understand your rights and avoid unnecessary worry.
As a young driver who just got my license, I was really worried about this issue after my first accident. I asked a few friends, and they all said you can take the money without repairing the car. That's indeed the case—as long as you cooperate with the insurance company to complete the damage assessment process, the money will be paid out. The claims adjuster evaluates the vehicle damage and quotes the compensation amount. You provide your payment account details, and the money arrives in a few days—no need to actually repair the car. For example, last time I rear-ended someone, the assessment was 5,000 RMB. I got the money, saved it, and planned to buy a new phone. Not repairing the car didn’t cause any major issues. However, pay attention to legal nuances: if the damage is severe, not repairing it might affect road safety or the resale value of the car. The insurance company usually just fulfills its payout obligation and doesn’t handle follow-up matters. New drivers can easily get confused, so remember to contact customer service promptly to ensure the process goes smoothly and avoid delays due to paperwork hiccups.
