Who Decides the Vehicle Damage Assessment Amount?
2 Answers
Vehicle damage assessment amounts can be determined through mutual voluntary negotiation between both parties, or by jointly commissioning a third party (legally established appraisal institutions or legally qualified experts) to evaluate and appraise the insurance incident. In cases where both parties cannot reach an agreement, the amount can be legally determined through litigation or arbitration procedures. Vehicle damage assessment involves a comprehensive analysis of automobile collision and accident scenes based on automotive construction principles, utilizing scientific and systematic professional inspection, testing, and surveying methods. It employs vehicle damage estimation materials and repair data to scientifically and systematically estimate the pricing for collision repairs. Vehicle damage assessment includes assessments for scratch incidents, undercarriage damage incidents, collision incidents, as well as fire and flood damage incidents.
The amount determined for car damage after an accident mainly depends on the insurance company's loss assessor. As a car enthusiast and someone who frequently deals with insurance, I can say that typically, the assessor will carefully inspect the vehicle's damage based on the accident situation and calculate an amount by combining repair quotes and market valuations. To control claim costs, the insurance company authorizes them to lead this process; however, car owners also have a say. You can use your own repair invoices or seek an independent re-evaluation to argue your case. Remember, everything is stipulated in the insurance contract, and once decided, it's not easily overturned. In short, it's a negotiation process where both parties want to save money, but the insurance company usually has the final say to avoid any foul play. If the amount seems unreasonable, contact customer service immediately—providing photo evidence can often help tip the scales in your favor.
