Total Loss & Second Opinion FAQs

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.