Insurance Process
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Navigating the collision repair process involves understanding your rights, especially concerning insurance claims. In California, the Auto Body Repair Consumer Bill of Rights ensures you are informed and protected during the repair process. Key rights include:
- Right to Choose Your Repair Shop: You have the right to select the auto body repair shop to repair damage covered by your insurance company. An insurance company cannot require that repairs be done at a specific shop.
- Right to a Written Estimate and Invoice: You are entitled to an itemized written estimate for auto body repairs and, upon completion, a detailed invoice. These documents must include an itemized list of parts and labor, specifying whether parts are new, used, aftermarket, reconditioned, or rebuilt.
- Right to Obtain an Independent Repair Estimate: Even when pursuing an insurance claim, you can seek and obtain an independent repair estimate directly from a registered auto body repair shop.
For more detailed information, refer to the California Department of Insurance’s regulations.
Navigating Your Insurance Policy
Understanding your insurance policy is crucial to ensure your vehicle receives the best possible repair parts and services. Consider the following steps:
Review Your Policy for OEM Parts Coverage
Determine if your auto insurance policy includes coverage for Original Equipment Manufacturer (OEM) parts.
Inquire About Adding an OEM Parts Rider
If your policy does not cover OEM parts, ask your insurer if you can add a rider to include this coverage.
Confirm the Use of New OEM Parts in Repairs
Ensure that with the appropriate coverage, any repairs will utilize new OEM parts, maintaining your vehicle’s integrity and safety.
If your current insurance provider does not offer OEM parts coverage or the option to add a rider, it may be beneficial to explore other providers that accommodate these preferences.
