Following an accident, insurance companies often attempt to steer you toward their preferred body shops. However, as a consumer in California, you possess the legal right to choose any body shop you prefer to handle your repairs. At European Collision Center, we deeply respect these rights and go the extra mile to ensure that you confidently choose our shop. We work collaboratively with all insurance companies, including yours.
To ensure you’re able to make the most informed decisions about where to take your vehicle for auto body repairs, here’s a closer look at your consumer rights.
Get Acquainted with the California Motorists Bill of Rights
The California Motorists Bill of Rights establishes fundamental rights and regulations for consumers dealing with an auto body repair facility. Here are some key provisions of the bill:
- Right to Choose the Repair Facility: In California, you have the right to select any repair facility you prefer, unless your insurance policy explicitly dictates otherwise. This empowers you to make a well-informed choice and opt for a reputable body shop that aligns with your specific needs and preferences.
- Notifying Your Insurance Company: Before proceeding with repairs, it’s important to notify your insurance company. Most insurance policies require you to file a sworn proof of loss, present the damaged property, and submit it for examination under oath.
- Obtaining Repair Estimates: Contrary to popular belief, you’re not obligated to obtain multiple repair estimates. California law mandates that you receive a written estimate from your chosen shop before any repairs commence.
- Responsibility for Repair Costs: As the vehicle owner, you generally bear the responsibility of paying the repair costs directly to your chosen repair facility, unless your insurance policy states otherwise. While your insurance company may cover the loss, deductibles or depreciation may be subtracted. Therefore, it’s crucial to understand the terms and conditions of your policy to avoid any surprises.
- Repair Facility Accountability: The Automobile Repair Act of 1971 establishes stringent regulations that all repair shops in California must adhere to. This includes being registered with the state, displaying a sign, and maintaining specific standards. Failure to comply with these regulations can lead to the revocation of a repair facility’s license. The act also ensures customers get correct information, requested repairs are included in official documents, customers receive copies of those documents, and that industry standards are followed.
Seeking Recourse for Disputes with Your Insurer
Knowing how to seek recourse in case of difficulties or disputes with your insurance company about your auto body repair is crucial. Here are two options for resolution:
- Consulting with Your Insurance Company: If you encounter any issues with your insurance company, it is advisable to first consult with your insurance agent or broker to see if they can help you resolve the issue.
- Department of Insurance: If you’re not able to reach a satisfactory resolution with your insurance company, you have the option to reach out to the Department of Insurance, State of California. Their toll-free line at 1-800-927-4357 can connect you with professionals who ensure fair practices and will assist you in resolving disputes with your insurer.
Additional Rights and Considerations:
In addition to the rights outlined above, it is important to be aware of the following:
- Freedom to Choose a Repair Shop: Insurance companies are prohibited from requiring, directing, suggesting, or recommending a specific repair shop unless you explicitly request it in writing. If an insurer elects a particular repair shop, they are obligated to make sure the vehicle is restored to its pre-loss condition without any additional cost to you, as per the policy or applicable laws.
- Use of Non-OEM Replacement Parts: Insurers cannot mandate the use of non-original equipment manufacturer (OEM) replacement crash parts for repairs unless these parts are equivalent in quality, safety, fit, and performance to OEM parts. If non-OEM parts are specified, insurers must cover any necessary modifications and provide warranties that are comparable to those of OEM parts.
Choose an Auto Body Repair Facility That Respects Your Rights
When it comes to auto body repairs in California, it’s crucial to be knowledgeable about and assert your consumer rights. By law, you have the freedom to select any auto body shop for your repairs.
At European Collision Repair, we’re committed to delivering exceptional auto body repair and refinishing services while prioritizing your safety and satisfaction. Our team upholds a strong code of ethics, emphasizing integrity, honesty, safety, and craftsmanship. We genuinely care about your experience and stand behind all our repairs. Whether you need an extensive repair or a minor fix, we’re here to assist you.
If you have any questions or concerns about your vehicle, or would like to schedule an appointment, don’t hesitate to contact us at (415) 551-9700.