Experiencing a car accident can be a stressful and overwhelming event, especially when your vehicle is deemed “totaled.” If your car has been declared a total loss by your insurance company, you might wonder if a collision repair shop can still fix it. In this blog post, we’ll explore what it means for a car to be totaled, the factors involved in repairing a totaled vehicle, and whether a collision repair shop can help you get your car back on the road.

What Does It Mean for a Car to Be Totaled?

A car is considered “totaled” when the cost of repairing the vehicle exceeds a certain percentage of its value, as determined by the insurance company. This percentage threshold varies by state and insurance policy but is typically around 70-80%. In some cases, a car might be deemed a total loss if the damage is extensive and impacts the structural integrity or safety of the vehicle.

Factors to Consider When Repairing a Totaled Car

  1. Insurance Settlement:

    • Payout: When your car is totaled, the insurance company will usually offer a payout based on the car’s pre-accident market value. Accepting this payout means you relinquish ownership of the vehicle to the insurance company.
    • Retaining Ownership: In some cases, you can choose to keep the totaled car by accepting a reduced payout. This option is known as “retaining salvage.” You’ll then be responsible for repair costs and any necessary inspections to make the car roadworthy again.

  2. Repair Costs:

    • Extensive Damage: Totaled cars often have extensive damage that requires significant repairs. The costs can quickly add up, making it financially impractical to restore the vehicle.
    • Hidden Damage: Even if the visible damage appears repairable, there might be hidden structural or mechanical issues that can increase repair costs.

  3. Safety and Reliability:

    • Structural Integrity: Repairs must restore the car’s structural integrity to ensure it meets safety standards. If the frame or other critical components are compromised, the vehicle might not be safe to drive even after repairs.
    • Quality of Repairs: The quality of repairs is crucial for the car’s long-term reliability. Ensure that any collision repair shop you consider has the expertise and equipment to perform high-quality repairs.

Can a Collision Repair Shop Fix a Totaled Car?

While a collision repair shop can technically repair a totaled car, several factors need to be considered:

  1. Shop Expertise and Capabilities:

    • Certified Technicians: Look for a shop with certified technicians who have experience in handling extensive repairs. Certifications from organizations like I-CAR or ASE indicate a high level of expertise.
    • Specialized Equipment: The shop should have the necessary equipment to handle significant repairs, including frame straightening machines and advanced diagnostic tools.

  2. Cost vs. Value:

    • Repair Costs: Get a detailed estimate of the repair costs from the collision repair shop. Compare this with the insurance payout and the current market value of the car.
    • Financial Practicality: Consider whether investing in repairs makes financial sense compared to buying a new or used car.

  3. Legal and Regulatory Requirements:

    • Salvage Title: If you choose to repair a totaled car, it will likely receive a salvage title. This indicates that the car has been significantly damaged and repaired. Be aware that cars with salvage titles often have reduced resale value and might be harder to insure.
    • Inspections: Depending on your state, you might need to pass a series of inspections to ensure the car is safe to drive. Check local regulations to understand the requirements.

Steps to Take if You Decide to Repair a Totaled Car

  1. Obtain Multiple Estimates: Get repair estimates from several reputable collision repair shops to ensure you’re getting a fair price.
  2. Evaluate the Shop’s Reputation: Check online reviews, ask for references, and verify the shop’s certifications to ensure they are capable of performing high-quality repairs.
  3. Consult Your Insurance Company: Discuss your options with your insurance company, including the possibility of retaining salvage and the implications for your policy.
  4. Plan for Additional Costs: Budget for potential additional costs, such as inspection fees, registration, and any increased insurance premiums.

Conclusion

While a collision repair shop can fix a totaled car, it’s essential to carefully weigh the costs, safety considerations, and long-term implications. Ensure that you choose a reputable repair shop with the necessary expertise and equipment to perform the repairs. Consider the financial practicality and legal requirements associated with repairing a totaled vehicle. By taking these factors into account, you can make an informed decision about whether to repair your totaled car or explore other options.

 
 

1. Ask for Recommendations

  • Friends and Family: Start by asking friends, family, and coworkers for recommendations. Personal experiences can provide valuable insights into the quality and reliability of a repair shop.
  • Online Communities: Join local community groups or car enthusiast forums online. Members often share their experiences and can point you to reputable shops.

2. Check Online Reviews and Ratings

  • Review Sites: Use platforms like Google Reviews, Yelp, and the Better Business Bureau to read reviews and ratings. Look for shops with consistently positive feedback.
  • Consistency: Pay attention to recurring themes in reviews, both positive and negative. Consistent praise or complaints can indicate the shop’s strengths and weaknesses.

3. Look for Certifications

  • ASE Certification: The National Institute for Automotive Service Excellence (ASE) certifies technicians who meet high standards of expertise and professionalism. Look for the ASE certification logo.
  • Manufacturer Certifications: Some repair shops are certified by specific car manufacturers. These shops often have access to specialized training and OEM parts.

4. Evaluate the Shop’s Appearance and Organization

  • Cleanliness and Order: A well-organized, clean shop is often a sign of professionalism and attention to detail.
  • Modern Equipment: Ensure the shop has up-to-date tools and equipment. Modern diagnostics tools are essential for accurate repairs.

5. Verify the Shop’s Warranty Policy

  • Repair Warranty: A reputable repair shop should offer a warranty on their work. This indicates confidence in their services and provides you with peace of mind.
  • Parts Warranty: Check if the shop uses parts that come with a warranty. Quality parts typically come with a manufacturer’s warranty.

6. Get Multiple Estimates

  • Compare Quotes: Obtain estimates from several repair shops for the same service. This helps you gauge the average cost and identify any outliers.
  • Ask Questions: Don’t hesitate to ask for a breakdown of the costs. A trustworthy shop will explain the charges and answer your questions transparently.

7. Assess Communication and Customer Service

  • Clear Communication: A good repair shop should communicate clearly about what repairs are needed, why, and how much they will cost. They should be willing to explain things in layman’s terms.
  • Professionalism: Friendly, courteous, and professional staff are indicators of a well-run business. They should make you feel comfortable and respected.

8. Check for Industry Affiliations

  • Professional Associations: Membership in professional organizations like the Automotive Service Association (ASA) can be a sign of a shop’s commitment to high standards.
  • Local Chambers of Commerce: Shops that are members of local business organizations often have a reputation to uphold within the community.

9. Start with Small Jobs

  • Test the Waters: Before entrusting a shop with major repairs, take your car in for minor services like oil changes or tire rotations. This allows you to assess their service quality and professionalism.

10. Trust Your Instincts

  • Gut Feeling: Sometimes, your intuition can be a reliable guide. If something feels off about a shop or if they pressure you into unnecessary repairs, it might be best to look elsewhere.

Conclusion

Finding a trustworthy car repair shop involves a combination of research, recommendations, and personal judgment. By taking the time to evaluate potential shops through reviews, certifications, and personal visits, you can ensure your car is in good hands. Remember to ask questions, compare estimates, and trust your instincts. With these strategies, you can find a reliable repair shop that offers quality service at a fair price, giving you peace of mind and keeping your vehicle in top condition.

Related Posts: