Auto Insurance · Collision Repair · SoCal
Your Insurance Claim, Handled.
By a Vetted SoCal Body Shop.
Otto connects you with vetted SoCal body shops that help you file your insurance claim, work with any insurer, tow your car in, and offer rental car discounts. Many can also help with your deductible on insurer-approved repairs, where permitted by law.
Call or Text: (213) 514-7112or upload a photo below
As featured on
14Partner shops in SoCal
~30 secAI estimate
FreeNo account needed
What You Get
The Full Concierge Experience
Deductible Help
Many partner shops can help with your deductible on insurer-approved repairs, where permitted by law.
Tow-In
If your car shouldn't be driven, the shop arranges to tow it in.
Claim Filing Help
The shop walks you through filing your insurance claim — the call takes about 15 minutes.
Any Insurer
Partner shops work with every insurance company. In California, you choose the shop, not your insurer.
Rental Car Discount
Discounted rental rates through our partner shops — even if your policy doesn't cover it.
How It Works
From Damage to Done in 4 Steps
1
Upload a Photo or Call Us
Snap a photo of your damage and upload it here, or call us at (213) 514-7112. You'll get an instant AI estimate of the repair.
2
We Match You With a Vetted Shop
We connect you with a vetted body shop near you that helps with the claim, works with your insurer, can tow your car in, and may help with your deductible where permitted by law. See every partner shop in our SoCal shop directory.
3
The Shop Helps You File Your Claim
Filing a claim is easier than you think — it's a 15-minute phone call, and the shop can help you through it. All you need is your basic info.
4
Your Car Gets Repaired
The shop works with your insurance company — appraiser visits, supplements, payment — and lets you know when your car is ready.
Have questions? We're here to help.
Call or Text: (213) 514-7112Don't Be Intimidated
Filing a Claim Is Easier Than You Think
All the insurance company will ask you is:
- Your name, phone number, and address
- Your date of birth
- When and where the incident happened
- A brief description of what occurred
- Your vehicle's year, make, and color
- Whether anyone was injured
- Whether any other vehicles or property were involved
- The name and address of the repair shop
That's it. The whole call takes about 15 minutes. You don't need your policy number — they'll look it up. The shop handles all the technical details.
Our partner shops work with all major insurance carriers, including:
ProgressiveState FarmGEICOAllstateFarmersUSAAAAATesla InsuranceTuroLiberty MutualAspire& more
Should You File a Claim or Pay Out-of-Pocket?
🧮 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
• Ask your shop about payment plans
• Terms vary by shop and lender
• Terms vary by shop and lender
Common Questions
Frequently Asked Questions
Will filing a claim raise my insurance rates?
It depends on your carrier, your claim history, and whether you were at fault. Not-at-fault claims often have minimal impact. At-fault claims may raise premiums, but for larger repairs the insurance savings far outweigh the increase. Use the calculator above to compare. For a deeper dive, see our collision repair cost guide.
How long does filing a claim take?
The initial phone call takes about 15 minutes. After that, an adjuster is assigned and an appraiser is sent to inspect the vehicle at the shop — this usually happens within a few business days. The shop handles all follow-up with the insurance company from there.
What if I don't know the full extent of the damage?
That's completely normal. You don't need to describe damage in technical terms. The shop handles the detailed damage description and any supplements if hidden damage is found during teardown. Your insurance company expects this — it's a standard part of the process. If the damage turns out to be severe, see our guide to total loss decisions.
Do I need my policy number to file?
No. The insurance company can look up your policy using your phone number and address. Just have your basic personal information handy — name, date of birth, and details about what happened.
Can a shop help with my deductible? Is it legal?
Your deductible is the amount you'd normally pay before insurance covers the rest. In California, Penal Code § 551 allows a shop to help with it only when the repair is done according to the insurer's estimate or an estimate the insurer accepts. Not every shop offers it and it isn't guaranteed, so it's something you arrange with the shop, where permitted by law. Learn more in our guide to deductible assistance.
What if my policy doesn't cover a rental car?
Our partner shops offer discounted rental rates even if your insurance policy doesn't include rental coverage.
How much does collision repair typically cost?
It ranges widely — from $150 for minor scratches to $10,000+ for structural damage. Most repairs fall between $1,000 and $5,000. See our full breakdown in the 2026 Collision Repair Cost Guide or our SoCal-specific cost report.
Ready to Get Your Car Fixed?
Call or text us, or upload a photo, and we'll connect you with a vetted shop that helps with the claim and gets your car repaired.