Can You Choose to Abandon a Severely Damaged Car?

[DavidLee]

You can choose to abandon it and directly scrap the vehicle. Additional Information: Detailed Introduction to Auto Insurance: Compulsory Traffic Insurance: Compulsory traffic insurance is a mandatory insurance that every car owner must purchase as required by law. It provides the most basic insurance claims when a traffic accident occurs. In the event of a traffic accident, compulsory traffic insurance can assist the car owner in covering economic compensation that would otherwise be difficult to pay. The compensation amount of compulsory traffic insurance is determined based on the car owner's proportion of responsibility in the accident and whether it results in personal injury or death. Vehicle Damage Insurance: Vehicle damage insurance refers to situations where the insured or their permitted driver causes an insured accident while driving, resulting in damage to the insured vehicle. The insurance company will provide compensation within a reasonable range. The premium for vehicle damage insurance is closely related to the purchase price of the car and the number of seats. Third-Party Liability Insurance: Third-party liability insurance refers to compensation provided by the insurance company according to regulations for personal injury, death, or direct property damage to a third party (excluding the driver and passengers of the insured vehicle) caused during an accident.

[EmeryRose]

Is it worth giving up on a severely damaged car? I think we need to do some financial calculations first. I've been through many similar situations, and often the repair costs exceed the car's residual value, making it more sensible to scrap it and buy a new one. For example, a ten-year-old car might require tens of thousands in repairs, while the insurance company might offer a few thousand to ten thousand in compensation for scrapping—quite a good deal. Of course, safety factors must also be considered; if the structure is deformed, even after repairs, driving it wouldn’t feel safe. I suggest first consulting a mechanic to assess the extent of the damage, then discussing compensation options with the insurance company. Don’t rush into scrapping procedures to avoid regret. Additionally, if not handled properly, an old car left on the roadside can take up space or cause trouble, so it's best to act promptly. In short, weighing cost versus risk is the priority—don’t let emotions drive you to insist on repairs, wasting time and resources.

[PhoebeDella]

Having worked in the insurance field for a long time, I often see car owners facing this issue: It's perfectly acceptable to choose to scrap the vehicle after severe damage. The key factors are determining the at-fault party and reviewing the insurance policy terms. If the other party is at fault, their insurance company will handle the scrapping process and provide compensation; if it's your own fault, you'll need to assess the loss value. I've handled cases where the car owner decisively chose to scrap the vehicle and received the settlement, avoiding many hassles. My recommendation is to first file an insurance claim and have their appraiser evaluate the damage. If the assessment report indicates the repair costs exceed the vehicle's value, then proceed with the deregistration procedures. Don't overlook legal matters during this process - ensure proper vehicle deregistration to prevent future disputes. While regular maintenance can extend a vehicle's lifespan, it's wise to be rational after an accident. Don't insist on repairs that may create unnecessary financial burdens.

[VonDonovan]

My own car was once smashed to pieces, and my heart was almost broken at that time—after all, it was my first big purchase. But the repair costs were shockingly high, and the insurance offered compensation for a total loss, so I chose to let it go. I replaced it with a used car, and now it runs just fine. If your car is still relatively new or holds sentimental value, don’t act impulsively—consult someone knowledgeable to see if it’s worth repairing. But if it’s an old car, don’t force yourself to keep it; scrapping it can relieve the mental burden. Also, don’t delay post-accident handling; leaving the car abandoned on the roadside pollutes the environment and causes inconvenience. Act quickly—don’t prolong the pain, because life must go on.