YOUR RIGHTS, YOUR REPAIR: CHOOSING A BODY SHOP IN CALIFORNIA

If you've been in an accident and have comprehensive/collision coverage (that protects your car), you'll likely be filing a car insurance claim. In California, you have a "consumer bill of rights," which protects your ability to choose a body shop for your repairs. However, making an informed decision is crucial.

Understanding In-Network vs. Out-of-Network Shops:

Before selecting a shop, contact your claims adjuster or insurance agent to understand the potential financial implications. Some insurance policies may only cover a limited percentage of the repair costs (e.g., 80%, excluding your deductible) if you choose an out-of-network shop.

Advantages of In-Network Shops:

• Faster Claim Processing: In-network shops often have established relationships with your car insurance company, leading to quicker claim management.

• Workmanship Guarantees: In-network shops usually offer warranties on their repairs, providing added peace of mind.

Choosing the Right Shop:

• Check Online Reviews: Utilize platforms like Google and Yelp to assess the shop's repair quality and customer service. Pay close attention to reviews detailing customer experiences.

• Be Wary of "Free Deductibles" shops that promise to waive your deductible.  They may cut on repair quality or forgo warranties to offset the cost of the deductible. 

• Beware of Accident Scene Towing: If a tow truck driver all of the sudden shows up at the scene of an accident and recommends a specific shop, be very careful. They may not have your best interests at heart, and you could face unexpected storage charges and other fees. Consider having your car towed home or to a trusted location instead.

Selecting a body shop is a right that you have but it's important to do so in a careful way.  In the end, selecting a good shop can make your claims experience much easier and better.