In California, you choose the body shop for covered damage. Your insurer can suggest one, but it cannot require it. Choose by comparing written estimates, parts plans and warranty terms, not by who answers the phone first after a crash.
Key takeaways
- Insurance Code 758.5 protects your right to choose.
- A shop on your insurer's list is optional, not mandatory.
- Compare estimates line by line, including parts type and paint.
What the law says
Section 758.5 of the California Insurance Code and the Auto Body Repair Consumer Bill of Rights in section 1874.87 spell out the right. The Bill of Rights also says you can get an independent estimate from a registered shop while a claim is open. Insurers must give you that notice after a reported accident or at policy application.
What a direct repair program is
Many insurers keep a network of shops they have agreements with. They call these direct repair programs. Using one can speed up approvals, but it is not a requirement, and an independent shop is not shut out. If an adjuster suggests a shop, ask politely whether using another is acceptable. The answer under California law is yes.
What to compare
Look past the total. Compare labor hours, paint hours, parts type and warranty. Check whether the shop lists hidden-damage checks. Read online reviews for patterns, such as clear communication and finishing on schedule. A shop with a 4.9 on Yelp and a 4.6 on Google, like International Auto Center, has a track record you can read.
Questions to ask before you sign
Ask how the shop handles supplements, who your contact will be, how often you will get updates, what parts will be used, and what the warranty covers. Ask for the estimate in writing. California requires a written estimate and your authorization before repair work starts.
Red flags
Be cautious of a shop that asks you to sign over your claim, pressures you to start the same day, will not itemize the estimate, or promises it will 'eat' your deductible, which is illegal in California. Our body shop red flags guide goes deeper.
Get a free estimate in Santa Clara
Questions about insurance claims? Read our Insurance Claims page, call (408) 243-2530, or send photos through the estimate form. International Auto Center Body Shop, 1499 Lincoln St, Santa Clara, CA 95050. Open Monday to Friday, 8:30 AM to 5:30 PM.
Frequently asked questions
Will my insurance cover a shop that is not on its list?
Yes, covered damage can be repaired at the shop you choose.
Can the adjuster send me to a specific shop?
They can suggest one, but they cannot require it.
Do I need to get my own estimate?
It is your right, and a good idea for larger repairs.
Is it okay to switch shops after the first estimate?
Yes, before you authorize work. Tell your insurer which shop you choose.
Related reading
Sources
- California Legislature, Insurance Code section 758.5 (choice of repair shop)
- California Legislature, Insurance Code section 1874.87 (Auto Body Repair Consumer Bill of Rights)