Is a damage assessment of over ten thousand considered severe?
2 Answers
Judgment should be made based on the specific vehicle and related information. Below is some information regarding vehicle damage assessment: 1. Damage assessment time: If the damage location is local, the insurance company can complete the vehicle damage assessment within one working day. If the damage location is in another region, it may take one to three working days to complete the vehicle damage assessment. After the assessment, the repair time can be inquired about at local repair shops. 2. Notes: Insurance companies do not compensate for lost wages; it is recommended to negotiate a settlement as there are no clear legal stipulations. 3. Inspection and damage assessment: Inspectors should complete on-site inspection and assessment within one working day after receiving notification from the insurance company's internal staff (for damages in other regions, local insurance companies may be entrusted to complete the inspection within three working days). Customers are required to provide relevant documents and guided in filling out claim forms.
As someone who has been driving for over a decade, I don't think a damage assessment of over 10,000 yuan necessarily indicates a major accident—it really depends on the value of the car itself. If your car is an ordinary family sedan worth around 100,000 yuan, this loss accounts for about 10%, which is still acceptable. However, if it's an older car worth only 50,000 to 60,000 yuan, then 10,000+ yuan is quite severe, as the repair cost could approach 30% of the car's value, making the repair uneconomical. I've repaired many cars, and for common moderate collisions—such as rear-end collisions or scrapes—damage assessments between 10,000 and 20,000 yuan are fairly typical, with repairs usually taking about two to three weeks. However, if the airbags deployed or the frame was deformed, the hidden risks are significant, and driving safety could be affected. I recommend contacting your insurance company promptly—they can help assess the specifics. Don’t delay, as postponing repairs could disrupt daily use. Drive carefully and inspect your car regularly to minimize such issues.
