Auto Insurance · Collision Repair · SoCal
Don't Pay Your Deductible.
We'll Find a Shop That Waives It.
Otto connects you with vetted SoCal body shops that waive your deductible, tow your car for free, use OEM parts, and help you file your insurance claim.
Call or Text: (213) 514-7112or upload a photo below
As featured on
700+App users
10,000+Web users
100+Partner shops
What You Get
The Full Concierge Experience
Deductible Waived
Our partner shops absorb your deductible — you pay $0 out of pocket for your repair.
Free Towing & Delivery
We pick up your car and deliver it back when the repair is done. No driving around.
Claim Filing Help
We walk you through filing your insurance claim — it takes about 15 minutes.
OEM Parts & Lifetime Warranty
Factory-grade parts and a lifetime warranty on the repair work.
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. We'll assess the damage and give you an instant AI estimate.
2
We Match You With a Vetted Shop
We connect you with a trusted body shop in your area that will waive your deductible, tow your car for free, use OEM parts, and back the work with a lifetime warranty.
3
We Help You File Your Claim
Filing a claim is easier than you think — it's a 15-minute phone call. We'll guide you through it or the shop can assist on the call. All you need is your basic info.
4
Your Car Gets Repaired & Delivered
The shop handles everything with your insurance company — appraiser visits, supplements, payment. When it's done, your car is delivered back to you.
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.
Real Customer Story
How Otto Helped a Northridge Driver Save $1,000+
March 2026 · Northridge, CA
2026 Hyundai Santa Fe — Significant Rear Damage
A Northridge driver takes her car to a local shop after backing into a structure. The shop quotes $2,700 for the repair.
Once the shop sees the car in person, the estimate jumps to $8,000–$10,000. The initial quote was misleadingly low.
She contacts Otto. We connected her with a trusted shop that waived her $1,000 deductible, towed the car from her home, and assisted with filing her Progressive insurance claim — a 15-minute phone call.
Result: Her car is being repaired with OEM parts and a lifetime warranty. She paid $0 out of pocket.
Customer Savings
$1,000+
Deductible waived · Free towing · Claim filing assistance
We 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
• $0 down options available
• Many shops offer 0% APR
• Many shops offer 0% APR
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.
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.
What does "waive the deductible" mean? Is it legal?
Your deductible is the amount you normally pay out of pocket before insurance covers the rest. When a shop waives your deductible, they absorb that cost — so you pay $0. Under California law, a shop can legally waive your deductible as long as the repair is performed in accordance with the insurer's estimate or an estimate accepted by the insurer. In other words, the shop can choose to wave your deductible as long as they adhere to the estimate agreed to with the insurer. Otto only partners with shops that waive deductibles the legal way.
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. We'll help you find the most affordable option while your car is in the shop.
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 and we'll match you with a shop, walk you through the claim, and get your car repaired — with your deductible waived.
We respond within the hour.