Is 30,000 yuan in damage assessment considered a major accident?
2 Answers
It is considered a major accident. Below is a detailed introduction to the relevant content: Conditions: Vehicle damage assessment is a relatively complex matter. The vehicle owner must understand the process of damage assessment to minimize accident losses and avoid unnecessary expenses. Vehicle insurance damage assessment is a key part of the claims process. Although it is not the responsibility of the vehicle owner, the owner must still understand the process to better handle such incidents. The process of vehicle insurance damage assessment: At the first moment of a traffic accident, the police must be reported to determine the accident liability. At the same time, the insurance company will conduct an on-site investigation, assess the damaged vehicle, and proceed with repairs before finally issuing an invoice for the claim. Repairs: Additionally, the vehicle owner needs to be aware that the damage assessment and repairs must be carried out in the same location. In other words, if it has been confirmed with the surveyor in advance that the repairs will be done at a 4S shop, all subsequent matters must also be handled at the 4S shop. This is because the insurance company will reassess the loss amount based on the standards of the repair shop actually chosen by the customer. If the locations differ, it may lead to unnecessary financial burdens.
Based on my experience, whether 30,000 yuan in assessed damages constitutes a major accident depends on the specific circumstances. If it's a family car worth around 100,000 yuan, spending 30,000 yuan on repairs—equivalent to a quarter of the car's total value—would definitely qualify as a major accident. Damage at this level typically means replacing parts like the bumper, headlights, radiator, or even components inside the engine compartment. For cars priced above 200,000 yuan, 30,000 yuan might only cover replacing a door or fixing side scratches. The key is to check whether the vehicle's frame or structural beams were damaged or if the airbags deployed. I recommend reviewing the repair list; if it mentions cutting, welding the longitudinal beams, or repairing the A-pillar, then it's a major accident affecting the car's structural integrity. Cars repaired after such incidents usually depreciate by over 30% when resold.
