How does Otto's car damage calculator work?+
Otto's car damage calculator uses AI to analyze a photo of your car and return a free repair estimate in under 30 seconds. Upload a photo, enter your ZIP, and our calculator estimates your repair cost based on thousands of real shop invoices. From there, you can get shop quotes, deductible help, or attorney referrals.
What makes Otto different from other car repair estimate tools?+
Otto is the only consumer-facing AI estimate tool that isn't owned by a body shop. Most online estimators are run by a single shop trying to win your repair — we're independent, so our estimates aren't biased toward any one outcome. After you get your free estimate, you choose what to do next: get competing quotes from multiple local shops, connect with an attorney if someone hit you, or get help with your insurance deductible. One tool, multiple paths forward — based on what you actually need.
How accurate are Otto's AI estimates?+
Our AI model achieves 85% accuracy compared to final shop quotes. The estimates are based on analysis of thousands of similar repairs and current market rates in your area. Final quotes may vary based on your specific vehicle, exact damage extent, and shop-specific pricing. Otto's estimates are designed to give you similar information to what a body shop estimate would — without the trip.
What happens after I get my estimate?+
Your estimate is just the start. Based on your situation, Otto connects you to the right next step — competing cash quotes from trusted local shops, a free consultation with an accident attorney, or help with your insurance deductible where available. You choose what you need, with no obligation.
Is Otto really free to use?+
Yes! Otto is completely free for vehicle owners. We're compensated by the repair shops in our network when you choose to get your repairs done through them. There are no hidden fees or obligations.
What types of damage can Otto estimate?+
Otto can provide estimates for auto body damage including dents, scratches, collision repair, and paint damage.
How much does a typical car body repair cost?+
Car body repair costs vary widely depending on damage type and severity. Minor scratches and dents typically run $150-$500, bumper repairs range from $300-$2,500, and major collision damage can exceed $5,000. Otto's calculator gives you a specific estimate range based on your damage photo, so you don't have to guess — and our
2026 collision repair costs guide has detailed breakdowns by damage type, vehicle, and region.
Do I have to use one of Otto's recommended shops?+
No, there's no obligation to use any of our partner shops. The quotes we provide are to help you make a more informed decision. You're free to take these estimates to any shop of your choice or use them for insurance claims.
How do I know the shops are trustworthy?+
All shops in our network are verified and must maintain valid business licenses and insurance, minimum 4.5-star customer ratings on Google, fair and transparent pricing, and quality guarantees on their work. We continuously monitor shop performance and customer feedback.
What if the damage is too complex for a photo estimate?+
For complex damage involving mechanical issues, frame damage, or multiple panels, our AI will note that an in-person inspection is recommended. We'll still connect you with shops, but they'll need to see your vehicle to provide accurate quotes.
Is my information secure?+
Yes, we take your privacy seriously. Your photos and personal information are encrypted and securely stored. We will only share your contact details with the shops if you provide written consent. We never sell your data to third parties.
