How Much Will My Car Repairs Cost Me After An Accident?

When you've been in a car accident, one of the first questions you're likely to ask is: “How much will it cost to fix my car?” The answer depends on a variety of factors, including the severity of the damage, the type of vehicle, labor costs in Arkansas, and how insurance companies calculate repairs. At Ludwig Law Firm, we help car accident victims across Little Rock and beyond not only recover financially—but understand the system they're up against.

1. Typical Costs of Car Repairs After a Crash

According to a great article from StormWise Auto Body Shop, average collision repair costs in the U.S. range from $500 to $30,000+, depending on the extent of the damage. Major damage—like frame straightening, engine issues, or multiple panel replacements—can easily push the bill beyond $5,000.

Here’s a general breakdown of common repair costs:

• Bumper repair: $150–$300

• Fender replacement: $700–$2,000

• Paint work: $150–$2,500

• Windshield replacement: $100–$2,000

• Airbag replacement: $1,000–$3,000+

2. What Insurance Will (and Won’t) Cover

If you carry collision coverage, your insurer will likely pay for repairs after subtracting your deductible. But if someone else caused the crash and you file a liability claim against them, their insurance should cover the damage up to policy limits.

In Arkansas, the minimum property damage liability insurance is just $25,000. That might not be enough if your car is totaled or if multiple vehicles were involved.

According to Bankrate.com, Insurance companies also use a total loss formula: if the cost to fix your car exceeds a certain percentage of its value (usually 70%–75%), they may declare it totaled and offer a cash payout based on your car’s market value—not replacement cost.

Tip: Keep maintenance records and receipts, especially if you've added value to your vehicle. This can help you negotiate a better payout.

3. What If the Other Driver is Uninsured or Underinsured?

While Arkansas has made great strides to decrease the percentage of uninsured drivers, the current stat still sits at roughly 8%. If the other driver has little or no insurance, you may be left footing the bill—unless you carry uninsured/underinsured motorist coverage (UM/UIM).

This is one of many reasons we recommend speaking with a personal injury attorney after a crash. At Ludwig Law Firm, we dig into every possible source of compensation—from at-fault drivers, to multiple insurance policies, to third-party claims.

4. The Hidden Costs of a “Fixed” Vehicle

Even after your car is repaired, you may suffer additional losses:

• Diminished value: A car with an accident history is worth less on the market.

• Rental car expenses: These may or may not be covered.

• Missed work: You might need to take time off to deal with logistics or attend doctor visits.

• Medical costs: Even a “minor” accident can lead to serious injuries.

When you add everything up, the true cost of an accident often goes far beyond the repair shop estimate.

5. How Ludwig Law Firm Helps You Get It Covered

Our firm routinely works with:

• Auto repair experts

• Insurance adjusters

• Medical providers

• Independent appraisers

We’ll make sure you’re not getting lowballed by insurers and that all damages—both to your vehicle and your life—are properly documented and accounted for. And if your vehicle was totaled due to someone else’s negligence, we’ll fight for maximum compensation to get you back on the road.

Don’t Let Insurance Decide What Your Car—and Case—Are Worth.

📞 Call Ludwig Law Firm at 501-838-4043
🌐 Visit us at ludwiglawfirm.com
📍 Serving Little Rock and all of Arkansas

Disclaimer: This blog post is for informational purposes only and does not constitute legal advice. Reading this post does not create an attorney-client relationship. Every case is different, and you should consult a qualified attorney to discuss your specific legal situation. For legal assistance, contact Ludwig Law Firm at 501-838-4043 or visit ludwiglawfirm.com.