Why Can't Insurance Records Be Found for Accident Vehicles?
3 Answers
Accident vehicles may not show insurance records, most likely because the vehicle has had its license plate changed. Below is relevant information about accident vehicles: 1. Accident Vehicle: Refers to a vehicle that has suffered damage due to non-natural wear and tear accidents, leading to a decline in mechanical performance and economic value. Accident vehicles generally refer to those with structural damage. Flood-damaged and fire-damaged vehicles also fall under the category of 'special accident vehicles.' 2. Methods to Identify Accident Vehicles: Many consumers worry about whether a vehicle is an accident vehicle when purchasing a used car. In fact, besides checking insurance records, identification can also be done through the vehicle's exterior, lights, interior, and other aspects.
I learned this the hard way when buying a used car last year—I noticed impact marks but couldn’t find any records. The main reason is that some owners settle minor accidents privately, compensating the other party without involving insurance, so no claim files are generated. Another scenario is accidents in remote areas, where local repair shops might not upload data to the network. Additionally, insurance system updates can be delayed, especially for cross-province claims, sometimes taking months to appear. The worst is encountering shady dealers who deliberately erase claim records to inflate prices—my advice is to focus on the chassis and weld points during third-party inspections to check for factory-original parts.
I remember in March when my friend's car got rear-ended, the other party handed over 8,000 yuan in cash on the spot to settle it—a classic case of private settlement to evade insurance. Naturally, there's no record in the insurance company's system since no claims adjuster was present to document it. Additionally, minor accidents below the deductible threshold aren't recorded; some brands stipulate no claim history for repairs under 2,000 yuan. System entry errors also occur occasionally, especially during peak holiday periods when claim volumes surge. Some older models without telematics devices rely solely on manual reporting, which can lead to omissions. Another scenario involves the original owner altering the engine number, causing historical records to mismatch the VIN.
