Can I receive the compensation without repairing my car after the damage assessment?

[DelIsabela]

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.