Getting into an accident is stressful enough. But once the dust settles, the next big question is—should you repair the damage or start looking for a new car? The answer isn’t always obvious. It depends on how bad the damage is, what repairs will cost, and whether fixing it makes sense long-term.
Here’s how to figure out the best move for your situation.
When a Dent or Scrape is Repairable (and When It’s Not)
Not all damage is equal. Some dents and scratches are minor and can be fixed quickly, while others might mean the part needs replacing altogether.
- Surface-level scratches and small dents– These can usually be repaired. If the paint isn’t cracked and the metal isn’t stretched, a skilled technician can smooth out the dent without needing new paint.
- Deep dents with paint damage– If the impact broke through the paint, rust can start forming. Repairs might still be possible, but more steps are involved.
- Cracked bumpers and misaligned panels– Sometimes, replacing a part is the better option. If a bumper is cracked or a door panel doesn’t line up, repairs could cost as much as a new part.
- Frame or structural damage– If the impact bent the frame, replacement is usually the safer choice. Even if it looks fine on the outside, a weakened frame could be dangerous in another crash.
What Will Repairs Cost?
Cost is one of the biggest deciding factors. If fixing the car is going to drain your wallet, replacing it might make more sense. A good rule of thumb is the 50% rule—if repair costs are more than half the car’s value, replacement is usually the better choice.
Insurance can also play a big role. If you have collision coverage, your policy might cover the repairs, but it’s important to check the details. A high deductible could still leave you paying a significant amount out of pocket.
For smaller dents, it helps to know how much it costs to fix a dent in a car before making a decision. Some minor repairs are affordable, while others can add up quickly. If the total repair bill reaches thousands, and your car isn’t worth much more than that, it might be better to put that money toward a new vehicle instead.
Is Paintless Dent Repair an Option?
For smaller dents, paintless dent repair can be a great solution. It’s cheaper, faster, and avoids the need for repainting. This works best for:
- Hail damage
- Door dings and parking lot dents
- Minor body damage with no paint chipping
If the dent is too deep or the paint is scratched, you’ll likely need traditional bodywork. But if your car qualifies for PDR, it’s a simple way to get it looking good again without spending a fortune.
When to Get a Professional Opinion
If you’re unsure whether to repair or replace your car, getting a professional assessment is the best way to make an informed decision. An experienced auto body repair shop can provide a thorough evaluation of any hidden damage and help you understand the full scope of repairs needed.
Look for a shop in your area that understands local repair challenges. For instance, if you live in coastal areas like Miami, you need experts who can prevent rust from spreading beneath repairs and protect against ongoing salt damage. On the other hand, car owners living in desert cities like Phoenix need specialists who can ensure repairs won’t crack or fade under intense UV exposure.
Some shops also make the insurance process easier by handling claims from start to finish. For instance, StormWise, an auto body shop in Denver, works with all major insurance providers and helps you get the best coverage for parts and repairs. With their help, you can focus on the repair or replacement decision while they handle the paperwork and negotiations.
