How accurate are Otto's AI estimates?
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Otto prices your repair the way a body shop does. The AI reads your photo to identify each damaged panel and what it needs — repair, refinish, or replace — then applies real labor hours to current body, paint and structural labor rates for your area, and adds parts and materials on top. Those hours and rates are grounded in real shop estimates rather than a generic lookup table, and we calibrate the price ranges against what shops actually charged. The one thing a photo cannot show is hidden damage behind a bumper cover or panel, so a shop's final number can move once parts come off.
What happens after I get my estimate?
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The estimate is yours to keep and use however you like — for your own planning, for a conversation with your insurer, or to take to any shop. Where Otto has a shop nearby, we will also connect you with a vetted local body shop that can take the job, usually within a business day. There is no obligation and no account to create.
Is Otto really free to use?
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Yes! Otto is completely free for vehicle owners. Otto is paid by the shops and partners you choose to work with, never by you. There are no hidden fees or obligations.
What types of damage can Otto estimate?
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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?
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No, there's no obligation to use any of our partner shops. The estimate we provide is there to help you make a more informed decision. You're free to take it to any shop of your choice or use it for an insurance claim.
How do I know the shops are trustworthy?
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Every partner shop has agreed to help with your insurance claim, work with any insurer, tow your car in and offer rental car discounts. If something goes wrong, reply to any Otto email and we'll follow up with the shop. You can see every partner shop in our
SoCal shop directory.
What if the damage is too complex for a photo estimate?
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For complex damage involving mechanical issues, frame damage, or multiple panels, a photo estimate is a starting point only. Where Otto has a shop nearby, we'll still connect you, but the shop will need to see your vehicle to confirm the final price.
Is my information secure?
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Yes. Your photos and personal information are stored securely. We share your contact details with a shop or partner only when you ask us to connect you, for example by submitting a form. Our
privacy policy has the details.