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Accurate vehicle damage detection is essential in intelligent transportation systems, insurance claim assessment, and automotive maintenance. Although conventional detection models demonstrate strong performance, they still struggle to capture fine-grained details and long-range dependencies, which can constrain their effectiveness in real-world applications. To address these limitations, we propose HL-YOLO, an enhanced YOLO11-based architecture that integrates Heterogeneous Convolutions (HetConv) to improve feature extraction diversity and Large-Kernel Attention (LSKA) to strengthen contextual representation. Model evaluation results on a vehicle damage dataset demonstrate that HL-YOLO consistently outperforms the YOLO11 baseline, achieving relative improvements of 2.5% in precision, 5.8% in recall, 3.9% in mAP50, and 3.1% in mAP50–95. These results underscore the model’s robustness in identifying complex damage types, ranging from scratches and dents to accident-induced damage. Although inference latency increased moderately due to the added architectural complexity, the overall accuracy gains confirm the effectiveness of HL-YOLO in scenarios where detection reliability is prioritized over real-time speed. The proposed model shows strong potential for deployment in insurance automation, intelligent traffic monitoring, and vehicle after-service systems, providing a reliable framework for accurate vehicle damage assessment.