After a collision, getting your vehicle repaired correctly is a top priority. Insurance providers are supposed to help you through the process, but many drivers are surprised to find that some of the information they receive is incomplete—or even misleading.

In California, you have specific legal rights when it comes to collision repair. Understanding these rights can help you make smarter decisions about where your car is repaired and how it’s restored. Here are several common tactics insurance companies use—and the truths behind them.

• You must use our preferred body shop or…
• You could be out of pocket money
• We (the insurance company) cannot guarantee the work
• The repairs will take longer  

We Suggest Reviewing Your Insurance Coverage At Least Annually

The best insurance agents cannot stay on top of every policy holder file. Check annually if you have the correct coverage with adequate financial limits to meet your needs. Look into rental car coverage and rates. OEM Parts endorsements, to assure you get the best parts for your vehicle in the event of an accident. Familiarize yourself with your policy, know limits, deductibles and repair clauses. Did you know, you can have one deductible amount ($1000) for collision and one for comprehensive ($100.00)? Make sure if you added any options to your vehicle, body kit, PPF paint protection, new wheels, a upgraded sound system that you notify your insurance company so that the acknowledge the investment and it is insured

You’re Free to Choose Your Repair Facility

In the days following an accident, it’s not uncommon for insurance companies to pressure policyholders into using a “preferred” or “in-network” shop. What many don’t realize is that you have the legal right to choose any licensed repair facility, regardless of insurer recommendations.

The California Motorists Bill of Rights clearly protects this freedom of choice. That means you can select a shop that specializes in your vehicle’s make and model, follows manufacturer procedures, and uses the correct equipment—ensuring your car is repaired safely and to factory standards.

Warranties Aren’t Limited to Insurance-Preferred Shops

Some insurers suggest that only their recommended repair shops can guarantee the work. This simply isn’t true. Reputable collision centers typically provide their own lifetime warranties on repairs, regardless of network affiliation.

The quality of a warranty should reflect the shop’s confidence in its work—not an insurance company’s endorsement. Before moving forward with repairs, look for a facility that stands behind its craftsmanship and uses OEM repair procedures. European Collision Center offers a lifetime, transferable warranty.

It Shouldn’t Cost You More to Use a Shop You Trust

Another misleading claim is that using a non-preferred shop will lead to higher repair costs. While you’re responsible for your deductible, the rest of the repair bill is handled between the body shop and your insurance provider—as long as the damage falls within the scope of your policy.

Insurance coverage is intended to restore your vehicle to its pre-accident condition. Choosing a high-quality, certified shop won’t void that coverage or increase your financial burden, as long as all repairs are approved and properly documented.

Using an Independent Shop Won’t Delay Your Repairs

There’s a common belief that avoiding an insurer’s suggested shop will slow the process. In reality, most qualified independent repair facilities are motivated to move quickly, working closely with insurance adjusters and parts suppliers to keep your repair on schedule.

Delays are typically caused by parts backorders or approval bottlenecks—not by the repair facility you choose. A professional, well-run shop will help keep things moving while prioritizing quality at every step.

You Can—and Should—Request OEM Parts

Insurers may attempt to reduce costs by authorizing aftermarket or non-OEM parts for your repair. However, California law protects your right to quality. Insurance companies cannot require the use of parts that don’t meet OEM standards for fit, safety, and performance.

You’re entitled to insist on OEM components, especially if your vehicle is newer, still under warranty, or part of a luxury or performance line. When in doubt, ask the shop to explain which parts are being used and why. A trusted facility will be transparent about their sourcing and prioritize manufacturer-approved replacements and always inform you before installing an alternative part on your vehicle.

What the Law Says: A Quick Recap

The California Motorists Bill of Rights ensures that drivers are treated fairly and with transparency. Key protections include:

• Freedom to select your repair shop
• No requirement to get multiple estimates
• Use of licensed, state-compliant repair facilities
• Right to OEM-quality parts or equivalent
• Insurer accountability for repairs and part quality

Understanding these rights helps you make better choices—and avoid falling into the trap of prioritizing speed or convenience over quality.

What Sets Certified Shops Apart

Luxury and performance vehicles demand more than just routine collision repair. From aluminum bodywork to advanced safety systems, the tools and techniques required to restore these cars are complex and specialized.

Shops that hold OEM certifications from manufacturers like Tesla, Mercedes-Benz, BMW, Porsche, Rivian and Audi go through extensive training and meet strict facility requirements. These certifications ensure that repairs are performed to exacting standards using the correct equipment and procedures—no shortcuts.

The Bottom Line: You’re in Control

Your insurance company may have opinions, but the final decision is yours. You’re under no obligation to use a shop just because it’s on a list or associated with your insurer’s network.

When you choose a collision repair facility, you’re choosing who will restore your vehicle’s safety, appearance, and long-term value. Be selective. Ask questions. Read reviews. Make sure the shop you choose has experience with your vehicle, follows OEM repair guidelines, and is known for putting quality above all else.

Ready to Take the Next Step?

If your vehicle has been damaged and you’re ready for repairs, we’re here to help. Our team offers factory-certified collision repair backed by extensive experience and a commitment to getting every detail right.

We’ll walk you through the insurance process, advocate on your behalf, and make sure your car is restored exactly as the manufacturer intended.

Contact European Collision Center to schedule a consultation or request an estimate.

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