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How much compensation for a one-year-old car totaled in an accident?

2 Answers

McJayla

09/05/25 4:25am

A one-year-old car being totaled means the vehicle damage has reached the total loss standard. The insurance company needs to assess the repair costs and the actual value of the vehicle, and will compensate according to the total loss insurance policy. Below is an analysis of specific compensation methods under various circumstances: 1. Total loss: Actual compensation amount = (Actual value at time of accident - Salvage value) × (1 - Deductible rate). Actual compensation amount = (Insured amount - Salvage value) × (1 - Deductible rate). 2. Partial loss: Compensation amount = (Actual repair and rescue costs - Salvage value) × (1 - Deductible rate). (Actual repair and rescue costs - Salvage value) × (Insured amount ÷ New car purchase price) × (1 - Deductible rate).

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CarsonLee

09/17/25 4:57am

I've been driving for over a decade and encountered similar situations. When a one-year-old car gets totaled in an accident, the compensation amount primarily depends on the insurance type and market value. If you purchased comprehensive insurance with high coverage, the insurer will calculate based on Actual Cash Value (ACV) - the original new car price minus depreciation. First-year depreciation typically ranges between 10%-15%. For example, a car originally priced at 150,000 RMB might now have a market value of 120,000 to 135,000 RMB. Liability determination also matters: if you're primarily at fault, comprehensive insurance will cover this amount; if the other party is responsible, you can claim through compulsory traffic insurance (CTPL) and potentially receive full compensation. Practical advice: File a police report immediately and gather purchase invoices, accident photos, and other evidence to ensure accurate assessment by claims adjusters. Delays might lead to undervaluation of the residual worth, so prompt action is crucial. Contact authorized dealerships to research used car prices for similar models - this strengthens your position when negotiating fair compensation.

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