1.Your car is the second largest investment you are likely to make. Preserve its value and your safety by having it repaired professionally.

2.Do not attempt to drive it yourself if a car is damaged, making it unsafe. Have it towed to a service center. You are not required by law to obtain more than one estimate or appraisal.
3.Some insurance companies may want you to visit their drive-in claims center before having your car repaired. You can do this, or you may leave your car at your collision repair shop and ask that the insurance company inspect the car there. Please remember, these centers provide only preliminary surface assessments, which result in a report of about 65-80% of the actual repair cost. Be sure to ask for a complete explanation of your appraisal.
4.You have the right to go to the repair shop of your choice. Your insurance company cannot require you to go to a particular shop.
5.Differences in repair estimates are common. A lower estimate may not include all necessary work or quality replacement parts. If you are not sure why one estimate is different from another, ask the shop manager. Confirm if they will be using genuine manufacturer replacement parts before you approve the work.
6.Choose a shop that has the Factory Approved equipment and finishes to do the job right. This is critical in maintaining the safety and value of your automobile.
Confirm that the shop offers a Warranty on their work.
7.Let the Collision Shop you choose help you negotiate your claim with the insurance company. This often leads to a better settlement.
California Motorist Bill of Rights

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

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 the payments by your insurance company are your responsibility.


Copyright 2007 San Carlos Collision Center
Last modified: 05/03/07