Why Work With Us

Yes. If your insurance company determines that your vehicle may be a total loss, you can ask questions about the valuation and repair estimate and request that the vehicle be inspected or evaluated by the auto body shop of your choice, subject to your policy and applicable insurance rules.

AutoPoint can provide a second look at the repair estimate to determine whether there may be a practical and safe repair option.

Yes. AutoPoint can review the insurance company's damage estimate and evaluate the vehicle from a collision-repair perspective.

We look carefully at the estimated repair procedures, labor costs, parts pricing, and available replacement-part options. In some cases, our evaluation may identify ways to safely repair the vehicle at a lower overall cost.

Not necessarily. A lower price does not automatically mean lower quality. AutoPoint searches for appropriate quality parts at competitive prices and evaluates available OEM, recycled, aftermarket, or other suitable replacement-part options based on the particular repair and insurer requirements.

Our objective is to control repair costs while maintaining proper repair standards and vehicle safety.

We can review the estimate line by line, including parts prices, labor operations, labor costs, repair-versus-replace decisions, and other collision-related procedures.

When we identify opportunities to complete the repair properly for less than the original estimate, we can discuss those findings with you and, where appropriate, work with the insurance company.

For qualifying repairs, AutoPoint may be able to provide the insurance company with a commitment that the agreed repair will be completed without additional supplemental charges, subject to the agreed scope of work and no newly discovered or previously hidden damage.

This can give the insurer greater cost certainty when reconsidering whether repairing the vehicle is economically practical.

No. The final total-loss determination is made by the insurance company according to the vehicle's value, repair costs, policy terms, applicable laws, and other factors.

However, AutoPoint can provide a detailed second evaluation and identify legitimate opportunities to reduce the projected repair cost. When the numbers support repairing the vehicle safely and economically, our evaluation may give the insurer additional information to consider.

Before accepting a settlement, make sure you understand how the insurance company calculated your vehicle's value and estimated repair cost. If you believe your vehicle may be repairable, contact AutoPoint promptly and ask us to review the insurance estimate and vehicle damage.

A second opinion may identify repair options that were not reflected in the original estimate.

AutoPoint focuses on finding practical ways to save repairable vehicles while maintaining quality and safety. We carefully review insurance estimates, search for competitively priced quality parts, control labor costs, and work to minimize unexpected supplemental charges.

Our goal is simple: if your vehicle can be repaired properly, safely, and economically, we want to help you explore that option before you give it up as a total loss.

Contact AutoPoint and provide us with your insurance company's repair estimate and information about your vehicle. Our collision repair team can review the estimate and explain whether there may be a viable alternative to the proposed total-loss settlement.

Insurance company totaling your car? Get a second opinion before giving up your vehicle. AutoPoint may be able to help you find a safe, cost-effective path to repair.

If your insurance company says your vehicle is a total loss, you may have more options than you realize. A total-loss decision does not always mean your car is impossible to repair. In many cases, it means the insurance company's calculated repair cost, vehicle value, salvage value, and other factors have made repairing the vehicle uneconomical from the insurer's perspective.

If you are thinking, “My insurance totaled my car, but I want to keep it,” ask your insurance company about owner retention or buying back the totaled vehicle before accepting the final settlement and surrendering the car.

Depending on your insurance policy, the circumstances of the claim, and applicable Maryland requirements, you may be able to keep your totaled vehicle. Typically, the insurance company determines a salvage or retention value and deducts that amount from the total-loss settlement. You retain the vehicle and can then decide whether repairing it makes financial sense.

Before making that decision, have an experienced collision repair shop evaluate the vehicle and the insurance estimate.

Some total-loss vehicles can be repaired safely and economically, while others have damage that makes repairing them impractical. Every vehicle should be evaluated individually.

At AutoPoint Collision Repair in Baltimore, Maryland, we can review the insurance company's estimate and evaluate the vehicle from a repair perspective. We look at the actual damage, required repairs, parts availability, labor costs, and opportunities to reduce the overall repair expense without unnecessarily compromising repair quality.

An insurance estimate may contain replacement parts and repair procedures that contribute to a high projected repair cost. AutoPoint can review that estimate line by line and determine whether there are legitimate opportunities to lower the cost.

We may be able to locate quality replacement parts at more competitive prices, identify appropriate alternative parts, control labor costs, and develop a more economical repair plan. Depending on the vehicle and type of damage, these savings can make repairing a vehicle much more affordable than the original insurance estimate suggests.

Our objective is to provide a safe, quality collision repair at an affordable price while restoring the vehicle as closely as reasonably possible to its pre-accident condition.

Potentially. If you know and like your vehicle, buying it back and repairing it may sometimes make more sense than replacing it.

For example, instead of spending your entire insurance settlement plus additional money purchasing another vehicle, you may be able to retain your existing vehicle, use part of your settlement for repairs, and potentially keep some of the remaining settlement funds.

There is another advantage: you already know your car. You know its maintenance history, mileage, mechanical condition, and how it was treated. Purchasing another used vehicle can introduce unknown maintenance and mechanical issues.

Whether keeping your vehicle actually saves money depends on the insurance settlement, salvage value, repair cost, title status, inspection requirements, and condition of the vehicle.

If your insurance company wants to total your car, don't assume surrendering the vehicle is your only option. Ask about retaining or buying back your totaled vehicle, obtain the insurance estimate, and bring the information to AutoPoint.

Our collision repair professionals can review the damage and help you understand whether there is a practical and affordable way to repair and keep your vehicle.

Insurance totaled your car? Before you give it up, talk to AutoPoint Collision Repair in Baltimore about your options. Your vehicle may still be worth repairing.