As featured on
📸 Upload a photo of your car damage
→
🤖 Immediate AI price estimate
→
🚗💬 Shops send quotes — no calls or driving around
700+App users
10,000+Web users
100+Partner shops
The Hidden Cost of Insurance Claims
Most people don't realize that filing a claim — even when you're not at fault — can raise your premiums for 3 to 5 years. Plug in your numbers and see for yourself.
🧮 Should You File a Claim?
Enter your details to see what makes financial sense
$
$
CA average is ~$180/month. Used to estimate your premium increase.
File Claim
$0
3-yr total
Out of Pocket
$0
one-time
File a Claim
$0
3-year total cost
• Deductible: $500
• Likely premium increase: ~25%
• Monthly increase: +$45/mo
• 3-year premium cost: +$1,620
• Likely premium increase: ~25%
• Monthly increase: +$45/mo
• 3-year premium cost: +$1,620
Pay Out of Pocket
$0
One-time cost
• No premium increase
• Keeps record clean
• Keeps record clean
Finance the Repair
$0
~$0/mo for 12 months
• $0 down options available
• Many shops offer 0% APR
• Many shops offer 0% APR
When Does Filing Make Sense?
Consider paying out of pocket if:
- Repair cost is under $2,000 – $3,000
- You were at fault or fault is shared
- You've filed a claim in the past 3 years
- You're planning to switch insurers soon
- The damage is cosmetic only
Consider filing a claim if:
- Repair cost exceeds $3,000 – $5,000
- The other driver was clearly at fault
- There are injuries involved
- Your car may be totaled
- You have accident forgiveness on your policy
Not sure where your situation falls? Run your actual numbers.
🧮 Try the Calculator AboveGet Your Repair Estimate Before You Decide
Don't call your insurance company until you know what the repair actually costs. Once you file a claim — or even ask about filing — it may go on your record.
Otto gives you a free, no-obligation repair estimate in 30 seconds. See what the damage will cost to fix, then decide whether it's worth filing a claim.
Free · No account needed · Takes 30 seconds
Trusted by Thousands
700+
App Users
10,000+
Web Visitors
100+
Partner Shops
As Featured On
Frequently Asked Questions
Everything you need to know about Otto
How accurate are Otto's AI estimates? +
Our AI model achieves 85% accuracy compared to final shop quotes. The estimates are based on analysis of thousands of similar repairs and current market rates in your area. Final quotes may vary based on your specific vehicle, exact damage extent, and shop-specific pricing.
How quickly will I receive quotes from shops? +
You'll receive 3 verified quotes from trusted local shops within 1-2 business days. During busy periods, it may take up to 48 hours. We'll text and email you as soon as your quotes are ready.
Is Otto really free to use? +
Yes! Otto is completely free for vehicle owners. We're compensated by the repair shops in our network when you choose to get your repairs done through them. There are no hidden fees or obligations.
What types of damage can Otto estimate? +
Otto can provide estimates for body damage (dents, scratches, collision repair), windshield repair or replacement, paint damage and touch-ups, and bumper repairs.
Do I have to use one of Otto's recommended shops? +
No, there's no obligation to use any of our partner shops. The quotes we provide are to help you make a more informed decision. You're free to take these estimates to any shop of your choice or use them for insurance claims.
How do I know the shops are trustworthy? +
All shops in our network are verified and must maintain valid business licenses and insurance, minimum 4.5-star customer ratings on Google, fair and transparent pricing, and quality guarantees on their work. We continuously monitor shop performance and customer feedback.
What if the damage is too complex for a photo estimate? +
For complex damage involving mechanical issues, frame damage, or multiple panels, our AI will note that an in-person inspection is recommended. We'll still connect you with shops, but they'll need to see your vehicle to provide accurate quotes.
Is my information secure? +
Yes, we take your privacy seriously. Your photos and personal information are encrypted and securely stored. We will only share your contact details with the shops if you provide written consent. We never sell your data to third parties.
Still have questions?
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