Car Totaled? We Help You From Start to Finish
Towing, storage, insurance coaching and straight answers, all from one Kearny Mesa shop.
Hearing the words "total loss" is stressful. Maybe your car is sitting at a tow yard, your insurer is asking questions, and you're not sure what happens next. We help Clairemont, Kearny Mesa and San Diego drivers through the whole thing, start to finish.
Call (858) 877-9060 Get an Estimate
What Happens When a Car May Be Totaled
- Call us or stop by. Walk-ins are welcome Monday to Friday, 8am to 5pm, or send photos for a photo estimate.
- We get your car here. We arrange towing to our shop on Armour St and help set up an insurance rental.
- We inspect and document the damage. We write a detailed estimate and run pre-repair diagnostic scans so the true extent of the damage is on record.
- Your insurer reviews it. The insurance company compares repair cost to the car's value and decides whether to repair it or total it.
- We store your car while they decide. Your vehicle stays with us instead of sitting somewhere you can't reach.
- We help you understand the outcome. If it's totaled, we coach you on the offer and valuation. If it's repairable, we fix it right and back it with our lifetime workmanship warranty.
How We Help With Your Insurer
We work with all insurance companies, and we know how the process works from the inside. When a total loss offer comes in, we help you make sense of it: how the valuation was built, what questions to ask, and how to talk to your insurance company about it. The settlement is between you and your insurer, but you don't have to figure it out alone.
- Coaching on your total loss offer and valuation
- Help preparing for conversations with your insurer
- Detailed damage documentation and estimates
- California drivers can choose their own repair shop
Storage While You Decide
Total loss decisions can take time. We can store your vehicle at our Kearny Mesa shop while your insurer works through the claim, so it's in one place, with people who are watching out for you. Ask us about storage when you call.
Repair or Total? Straight Answers
Sometimes a car that looks like a total can be repaired safely. Sometimes it can't, and you're better off taking the payout. We'll give you a straight answer either way. We work on all makes and models, our owners are I-CAR Platinum and ASE certified, and every repair includes pre- and post-repair diagnostic scans.
Military & Veteran Discount
Proud supporters of our troops. Please inquire about saving money on your deductible!
Total Loss FAQ
What happens if my insurance company says my car is totaled?
Your insurer decides a car is a total loss when repair costs come close to or pass the car's value. They will make you a settlement offer based on their valuation. We walk you through what it means, help you review the offer, and coach you on how to talk to your insurer about it.
Can you negotiate my total loss settlement for me?
The settlement is between you and your insurance company, so we don't negotiate it for you or promise a higher payout. What we do is coach you, explain the valuation, and help you talk to your insurer about the offer with the right questions and information.
Can you store my car while the insurance company decides?
Yes. We can store your vehicle at our Kearny Mesa shop while your insurer decides whether to repair it or total it. Ask us about the details when you call.
Do I have to use the shop my insurer recommends?
No. California drivers can choose their own repair shop. We work with all insurance companies.
Can you tow my car and help with a rental?
Yes. We can arrange towing to our shop and help coordinate an insurance rental car.
If my car can be repaired, is the work guaranteed?
Yes. If your car is repaired with us, our workmanship is covered by a lifetime warranty for as long as you own the vehicle.
More answers on our insurance FAQ and insurance claim assistance page.