Before You Buy - Car With an Accident History

Published on Jan 30, 2025

5 min read
Before You Buy - Car With an Accident History

Did you know that nearly one in four used cars has been in a reported accident? If you’re considering buying a vehicle with an accident history, understanding how previous damage can affect safety, performance, and resale value is crucial. Many buyers worry about hidden issues or costly repairs that could surface down the road, and for good reason.

This article is intended to help you understand the ins and outs of purchasing a vehicle that’s been in an accident. From checking repair work to comparing costs, we’ll show you exactly what to look out for so you can get the most bang for your buck.

Understanding the Basics of a Car with Accident History

Imagine buying a used car, only to find out months later that it had been in a major collision, affecting its performance and safety. That’s why accident history is a key factor when shopping for a used vehicle. A car’s past damage can impact its resale value, insurance costs, and overall reliability. Even if repairs have been made, some structural weaknesses or mechanical issues may be detrimental, making it essential to assess the extent and quality of the fixes.

Common Types of Accident Damage

Not all accidents are equal. Some are minor fender benders that leave only cosmetic damage, while others involve deep structural issues that could compromise the vehicle’s integrity. Common types of accident-related damage include frame damage, deployed airbags, flood damage, and suspension misalignment.

Key Factors to Evaluate Before Purchasing a Car with an Accident History

A professional mechanic inspecting a used car engine, checking for accidents.

Vehicle History Report

Before anything else, get your hands on a vehicle history report (like Carfax or AutoCheck). This will show past accidents, repair details, and even airbag deployments. Look for red flags like repeated repairs in the same area or a salvage title, which means the car was deemed a total loss by an insurance company.

Inspection by a Mechanic

A report can only tell you so much, you need a professional’s eyes on the car. A thorough inspection should check for misaligned panels, uneven tire wear, frame damage, and hidden rust. Mechanical systems should also be tested, especially if the accident involves the engine, suspension, or brakes.

Documentation & Repair Quality

Not all repairs are equal. Ask for documentation of past repairs, and if possible, check where the work was done. Factory-approved (OEM) parts and repairs from reputable body shops are better signs than cheap aftermarket parts or patchwork fixes.

Insurance Implications

A car with an accident history can sometimes mean higher insurance rates or limited coverage. Some insurers might even refuse coverage if the car has a salvage or rebuilt title. Always get a quote before finalizing your purchase.

Step-by-Step Guide to Buying a Car with Accident History

A couple discussing a used car purchase with a dealership salesperson, negotiating a price based on accident history.

Buying a car with an accident history isn’t necessarily a bad idea, but you need to follow a careful process to avoid regrets. Here’s how to do it right:

1. Research the Listing

Check if the seller openly discloses past accidents. If they seem vague or evasive, consider it a red flag.

2. Request a Vehicle History Report

Get a report from Carfax, AutoCheck, or a similar service to confirm the details.

3. Conduct a Professional Inspection

Hire a trusted mechanic to check for frame damage, hidden repairs, and mechanical issues.

4. Assess the Repair Quality

Look for proper alignment, factory parts, and signs of rushed bodywork.

5. Negotiate the Price

Use the accident history as leverage. A car with prior damage should always be priced lower than a clean-title equivalent. Learn how negotiating your car deal online can help you secure an even better price without dealership pressure

6. Verify Insurance and Financing

Some insurers and lenders hesitate with accident-damaged cars. Confirm coverage before committing.

Following these steps will help you avoid hidden surprises and get the best deal on a reliable used car.

Comparing Costs, Risks, and Rewards

A close-up of a vehicle salvage title certificate, indicating the car was previously declared a total loss.

Is a car with an accident history always a bad deal? Not necessarily. Let’s break down the costs, risks, and potential rewards of buying one.

Cost Comparison

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Risks vs. Rewards

  • The risk is you might end up with hidden damage, unexpected mechanical failures, or difficulty reselling the car. Low-quality repairs could lead to long-term issues.
  • The reward might be that if the damage was minor and properly repaired, you could save thousands on a reliable car. Many vehicles with accident history still perform well for years with no issues.

The key is knowing what you’re getting into. A well-documented, professionally repaired vehicle can be a great deal, but skipping due diligence could cost you more in the long run.

Making the Right Choice for Your Next Car

Buying a car with an accident history doesn’t have to be a gamble, but it does require extra diligence. Start by reviewing a vehicle history report and having the car inspected by a trusted mechanic. Look for quality repairs, verify insurance options, and use the accident history to negotiate a better price. Check out our guide on how to make your best car buy ever to ensure you get the best deal.

While these cars can come with risks, they also offer opportunities for buyers who know what to look for. By following the right steps, you can find a reliable vehicle at a great price—without the worry of hidden surprises. Do your homework, ask the right questions, and make an informed decision.

Frequently asked questions

Is it a bad idea to buy a car that has been in an accident?

Not necessarily. Many cars with accident history are still reliable if they’ve been properly repaired. The key is understanding the extent of the damage and making sure it was fixed correctly.

Will an accident history make a car less valuable?

Yes, a car that has been in an accident usually sells for less than a similar model with a clean history. The drop in value depends on how severe the damage was and the quality of the repairs.

Can I get insurance for a car that has been in an accident?

Most cars with an accident history can still be insured, but the rates may be higher. If the car has a salvage or rebuilt title, some insurers may refuse coverage or offer limited policies.

How can I check if a car was in an accident?

A vehicle history report from services like Carfax or AutoCheck will show past accidents, repair details, and title status. You can also look for signs of previous damage, like uneven paint or misaligned panels.

What’s the difference between a clean title and a salvage title?

A clean title means the car has never been declared a total loss, even if it has been in an accident. A salvage title means the car was severely damaged and deemed a total loss by an insurance company before being rebuilt.

How much of a discount should I expect when buying a car with an accident history?

It depends on the severity of the accident, but a car with previous damage is usually priced 10-30% lower than a similar model with no accident history. This can be a great way to save money if the car is in good condition.

Can accident damage be hidden?

Yes, some sellers try to cover up past damage with cosmetic fixes. A professional inspection is the best way to spot hidden structural issues, frame damage, or poorly done repairs.

Is it harder to sell a car with an accident history?

Cars with accident history usually take longer to sell and may not hold their value as well. If the damage is minor and well-documented, resale is easier, but some buyers will always prefer a car with no accidents.

What should I do before buying a car with an accident history?

Always check the vehicle history report, have the car inspected by a mechanic, verify that quality parts were used in the repairs, and get an insurance quote before finalizing the purchase.