Is a Vehicle Damage Assessment Exceeding 10,000 Yuan Considered a Major Accident?
4 Answers
This depends on the specific vehicle and related information. Below is some information regarding vehicle damage assessment: 1. Assessment Time: If the damage occurs locally, the insurance company can complete the vehicle damage assessment within one business day. If the damage occurs in another location, it may take one to three business days to complete the assessment. After the assessment, the repair time can be inquired about at local repair shops. 2. Points to Note: Insurance companies do not cover loss of income, so it is recommended to negotiate a settlement, as there are no clear legal provisions on this matter. 3. Inspection and Assessment: Inspectors must complete on-site inspections and assessments within one business day after receiving notification from the insurance company's internal staff (for damages occurring in another location, the inspection can be delegated to the local insurance company to be completed within three business days). Customers are required to provide relevant documents and will be guided on how to fill out the necessary claim forms.
Having worked in the auto repair industry for over a decade, I've encountered many cases where vehicle damage assessments exceeded ten thousand yuan, and that doesn't necessarily mean it was a major accident. For instance, with luxury or new energy vehicles, even a minor scratch could involve sensors or headlight modules, driving repair costs up to over ten thousand, while the impact force was minimal and the car remains stable after repairs. A true major accident involves structural damage, like a twisted frame or deployed airbags, which often leaves hidden dangers affecting driving safety post-repair. Therefore, judging the severity of an accident shouldn't rely solely on the cost; it's essential to consider the damaged parts and the repair report. I recommend that car owners take the damage assessment sheet to consult several professional technicians to confirm the details. After all, driving safety is paramount—don't just focus on the cost figures.
I've been driving for many years and experienced a minor scrape accident myself, with the claim settlement costing twelve thousand yuan, which wasn't a big deal. The main issue now is that car parts have become more expensive, and with high labor costs, even minor damages can lead to significant repair expenses; for example, replacing a bumper and repainting can easily exceed ten thousand yuan, even if the collision wasn't severe. Many of my friends have similar stories, especially with modified cars where repair costs are even higher. The key is to thoroughly check the vehicle's stability after an accident—if the airbags didn't deploy or the body wasn't deformed, it might just be superficial damage. Don't be intimidated by the cost, but depreciation when selling the car later is inevitable, so plan ahead accordingly.
After reviewing numerous insurance claim cases, the frequency of assessments exceeding ten thousand is indeed quite high, but that alone shouldn't be directly used as an indicator of a major accident. For instance, luxury car models may require over ten thousand just for replacing a headlight or bumper assembly components, with short repair times and superficial damage. Only incidents involving core structural components like deformed crash beams or malfunctioning airbag systems qualify as major accidents, as they pose higher safety risks post-repair and affect the vehicle's lifespan. I recommend that car owners first examine the repair list on the assessment report to confirm whether the damage is fundamental; after repairs, a professional inspection should suffice—don't jump to conclusions based solely on the numbers.
