CALIFORNIA MOTORIST BILL of RIGHTS

Do I have the right to take my car to the shop of my choice?

Yes — You may select the repair facility of your choice unless your insurance policy specifies otherwise.



Can an insurer require, direct, suggest or recommend that your automobile be repaired at a specific shop?
No — Unless the referral is expressly requested by you; or you have been informed in writing of the right to select the repair facility; and the insurer that elects to repair a vehicle directs, suggests or recommends that a specific repair shop be used, shall cause the damaged vehicle to be restored to its condition prior to the loss at no additional cost to you other than as stated in the policy or as otherwise allowed by law.

Do I need to contact more than one shop for an estimate?
No — Generally, one estimate from the shop of your choice is required, unless your insurance policy specifies otherwise. California State law requires you be given a written estimate before starting repairs.

Am I responsible for the cost of repairs?
Yes — You are usually responsible to the repair facility for payment of repairs unless your insurance policy specifies otherwise. Ordinarily, if you are insured, your insurance policy states that the insurance company will pay you for the loss, less any applicable deductibles or depreciation. Any arrangements for payments by your insurance company are your responsibility.

If I am having difficulties with my insurance company, do I have recourse?
Yes — First consult with your insurance agent. If you still cannot resolve your problem contact the Department of Insurance, State of California, at their office in Sacramento, San Francisco, Los Angeles, or San Diego, or telephone their toll free line: 800.927.4357

For further information, refer to:
State of California Department of Insurance
300 South Spring Street, 10th Floor
Los Angeles, CA 90013