Totaled or Repairable? How to Make the Right Decision After a Crash

After an accident, one of the biggest questions drivers face is whether their vehicle is worth repairing or if it’s better to move on. The answer isn’t always clear-cut. 

Factors like repair costs, safety, and insurance assessments all play a role. Center Collision understands how stressful this decision can be. As a trusted Tacoma collision center, we provide expert evaluations and professional repairs to help you determine the best course of action.

How Insurance Companies Determine a Total Loss

A damaged vehicle is regarded as a total loss when the cost to repair it is higher than its actual cash value (ACV). Insurance companies assess several factors to determine this:

  • Vehicle Value – The pre-accident market value of your car based on make, model, age, mileage, and condition. The pre-accident market value of your vehicle is based on make, model, age, mileage, and condition. A car that has depreciated significantly may be more likely to be declared a total loss, as its value may not justify expensive repairs.
  • Repair Estimate – A professional assessment of what it will cost to fix the damage. This estimate includes parts, labor, and potential hidden damage that may only become apparent once repairs begin.
  • State Thresholds – Some states have specific total loss thresholds (TLTs) that dictate when a car is legally considered totaled. For example, in some states, if repair costs exceed 75% of the vehicle’s value, it is automatically classified as a total loss.

If repairs approach or exceed the car’s ACV, insurers may declare it a total loss. However, some policies allow owners to retain the vehicle even after a total loss classification. A consultation with your insurance provider will help you understand your options.

Understanding Repair Costs and Feasibility

Not all severe-looking damage means your car is beyond repair. Repair costs depend on the following:

  • Extent of Damage – Surface-level dents and scratches are minor, but frame damage or deployed airbags indicate more expensive repairs. Extensive structural damage can compromise the car’s safety and require specialized repairs that may not always be cost-effective.
  • Replacement Parts – If specific parts are rare or expensive, the cost can rise significantly. OEM (Original Equipment Manufacturer) parts tend to be pricier than aftermarket or used parts, but they ensure a better fit and longevity.
  • Labor Costs – The complexity of repairs and labor-intensive fixes impact the final bill. Certain repairs, such as repainting or realigning a damaged frame, require skilled technicians and specialized equipment, increasing the overall cost.

A professional auto body shop can assess the damage and give you an estimate to help you decide whether repair is the right choice.

Is Your Car Worth Repairing? Things to Consider

Before making a decision to have your car repaired, ask yourself these questions:

Is it safe to repair? Even with extensive repairs, will the car be structurally sound?

Do the costs make sense? If repairs are close to the car’s value, it may not be worth it.

Will the car retain long-term reliability? If repairs restore the vehicle to a dependable condition, it may be worth fixing.

If you’re unsure, consulting with experienced collision specialists in Tacoma can help you weigh the pros and cons based on your vehicle’s condition.

Why Choose Center Collision for Repairs?

Center Collision provides expert assessments and high-quality repairs to restore your vehicle. Here’s why drivers trust us:

  • Certified Technicians – We use top-notch equipment to perform precise repairs. Each technician undergoes continuous training to stay up to date with the latest industry advancements and manufacturer repair standards.
  • Insurance Assistance – We coordinate with insurance companies to streamline the claims process. Our team helps handle the paperwork, ensuring that you get the maximum coverage available under your policy.
  • Quality Parts & Workmanship – We use manufacturer-approved parts and apply the industry’s best repair techniques. This lets your vehicle maintain its integrity, safety, and performance after repairs.
  • Customer-Focused Service – From the initial estimates to the final delivery, we provide a hassle-free experience. We prioritize clear communication and transparency, keeping you informed at every stage of the repair process.

If you’re searching for experts to “fix a crashed car near me,” our team is ready to help.

Further Reading:

Conclusion: Making the Right Choice for Your Car

Choosing between repairing and replacing your vehicle after an accident depends on various factors, including safety, costs, and long-term reliability. Center Collision offers expert evaluations to help you make an informed decision.

Our team of collision specialists in Tacoma is committed to restoring vehicles with precision and care. Let us help you get back on the road safely and confidently. Contact us today. 

Trust Center Collision, your premier Tacoma collision center, for expert auto body repairs.