What is the procedure for exercising my right to choose my own auto repair shop in California, even if my insurer recommends another?

In California, you have the absolute right to have your vehicle repaired at any shop you choose. Your insurance company cannot require you to use one of their preferred shops and must work in good faith with your selection. Here is the procedure for exercising this right: Step 1: Inform Your Insurer of Your Choice Immediately after filing your claim, notify your insurance adjuster of the repair shop you have selected. Do this in writing (an email is sufficient) to create a clear record of your decision. State clearly, "I have chosen [Shop Name and Address] to perform the repairs on my vehicle." Step 2: Get a Written Estimate Take your vehicle to your chosen shop and ask them for a detailed, itemized written estimate for the repairs. This document is legally required under the Automotive Repair Act and is essential for your insurance claim. Step 3: Submit the Estimate and Arrange for Inspection Provide the written estimate to your insurance adjuster. The insurer has the right to inspect the vehicle and the estimate to ensure the proposed costs are reasonable for your area. Coordinate with your shop to make the vehicle available for the insurer's inspection. Step 4: Authorize Repairs Once your insurer and your chosen shop agree on the scope of work and the cost, you can give the shop written authorization to begin repairs. Do not authorize work until the claim amount is approved by the insurer to avoid paying out-of-pocket for unapproved costs. Important considerations: Your insurer is only obligated to pay for reasonable repair costs. If your shop's labor rates or estimates are significantly higher than the prevailing local rates, your insurer may only pay a portion of the bill, leaving you responsible for the difference. The warranty for the repair work is provided by your chosen shop, not by your insurance company. Warnings and limitations: Be aware that insurers are prohibited by California Insurance Code Section 758.5 from "steering" you to a specific shop. If your adjuster states that they cannot "guarantee the work" or that the claim will be delayed if you don't use their recommended shop, they may be violating the law. You are responsible for paying your deductible directly to the repair shop. This is general information and does not constitute legal advice. For complex situations, consult with a qualified California attorney.