Getting into an automobile accident is stressful enough without feeling pressured by an insurance adjuster. Following a collision, many California drivers are told by their insurance carrier that they “must” take their vehicle to a specific “preferred vendor” or “direct repair program (DRP)” shop.
However, many vehicle owners are surprised to learn that you have the absolute legal right to choose where your car is repaired.
Understanding California Insurance Code § 758.5 (Anti-Steering Law)
Under California Insurance Code § 758.5, it is unlawful for an insurance company to require, steer, or intimidate a policyholder into using a specific collision repair facility.
The law clearly guarantees the following rights:
- You choose the facility: You can select any licensed California Bureau of Automotive Repair (BAR) facility you trust.
- No penalties allowed: An insurer cannot refuse to pay, delay your claim, or reduce your coverage simply because you choose an independent shop.
- Full estimate coverage: Your insurance company is legally required to pay for the reasonable cost of repairing your vehicle to pre-accident condition, regardless of whether the shop belongs to their vendor network.
Why do insurance companies “steer” policyholders?
Insurance carriers establish DRP agreements with corporate repair chains. In exchange for a high volume of vehicles, these shops agree to provide discounted labor rates and, in many cases, use non-OEM aftermarket parts to save the insurance company money.
While DRP shops can be convenient, their primary client is often the insurance corporation — not you. When you choose an independent, certified repair facility like Magic Auto Center, our loyalty belongs 100% to you and the structural safety of your family vehicle.
What happens when an insurer estimate is lower than the shop estimate?
Insurance field estimators often inspect vehicles in driveways without disassembling body panels, completely missing hidden structural damage. When your vehicle arrives at Magic Auto Center:
- We perform a complete teardown inspection.
- We photograph all internal damage and frame deviations.
- We submit official digital supplemental claims directly to your adjuster, negotiating full coverage for genuine OEM parts and factory-standard procedures.
Protect your investment and safety
Your vehicle is likely one of your largest investments. Never compromise on crash safety or paint quality because of an adjuster’s recommendation.
Have questions about your insurance claim? Call Magic Auto Center in Santa Ana at (714) 265-9456 or request a free digital estimate online.