Highlights: California Motorist Bill of Rights

It's your choice who repairs your vehicle — know your 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.

Should my insurance company be notified before repairs?

Yes: Your insurance policy generally states that, if requested, you must file a sworn proof of loss, exhibit the damaged property, and submit to examination under oath.

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.

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.