Please find your state below to view your state specific claims information.
Alabama
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution, fines, or confinement in prison, or any combination thereof.
Alaska
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Arizona
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Two or More Auto Policies; Two or More Autos Insured
We wish to advise you that if a future claim is made for Uninsured or Underinsured Motorists Coverage due to this accident, and multiple policies or coverages within the same policy apply, only one of the policies and one coverage limit within that policy will apply to the accident. You will select the one policy and coverage limit that will apply.
Arkansas
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
California
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
State Required Accident Form
The state of California requires that you file an SR-1 form if you’re involved in an accident that results in any injuries or property damage to either party exceeding $1,000. This is regardless of fault.
You must complete the form and send it to the Department of Motor Vehicles (DMV) within 10 days of the accident. This form can be picked up at any local DMV office or downloaded at their website: www.dmv.ca.gov/forms/forms.htm. On the DMV website, go to the forms main page, then choose the Accident Involvement link under General Use.
If you have any questions related to filling out this form, please contact the DMV directly at (800) 777-0133. For the hearing impaired, the TTY number is (800) 368-4327.
You can also reach the DMV at the following address:
Department of Motor Vehicles
Financial Responsibility
Mail Stations J237
Sacramento, CA 94284-0001
AUTO BODY REPAIR CONSUMER BILL OF RIGHTS
"In accordance with California Insurance Code § 758.5, COMPANY would like to advise you of your rights regarding the repair of your automobile. Please be advised that this letter or the inspection of your vehicle is not an admission or acceptance of liability.
“WE ARE PROHIBITED BY LAW FROM REQUIRING THAT REPAIRS BE DONE AT A SPECIFIC AUTOMOTIVE REPAIR DEALER. YOU ARE ENTITLED TO SELECT THE AUTO BODY REPAIR SHOP TO REPAIR DAMAGE COVERED BY US. WE HAVE RECOMMENDED AN AUTOMOTIVE REPAIR DEALER THAT WILL REPAIR YOUR DAMAGED VEHICLE. WE RECOMMEND YOU CONTACT ANY OTHER AUTOMOTIVE REPAIR DEALER YOU ARE CONSIDERING TO CLARIFY ANY QUESTIONS YOU MAY HAVE REGARDING SERVICES AND BENEFITS. IF YOU AGREE TO USE OUR RECOMMENDED AUTOMOTIVE REPAIR DEALER, WE WILL CAUSE THE DAMAGED VEHICLE TO BE RESTORED TO ITS CONDITION PRIOR TO THE LOSS AT NO ADDITIONAL COST TO YOU OTHER THAN AS STATED IN THE INSURANCE POLICY OR AS OTHERWISE ALLOWED BY LAW. IF YOU EXPERIENCE A PROBLEM WITH THE REPAIR OF YOUR VEHICLE, PLEASE CONTACT US IMMEDIATELY FOR ASSISTANCE."
Prohibited Unfair or Deceptive Acts or Practices
California Section 790.03 of the Insurance Code:
The following are hereby defined as unfair methods of competition and unfair and deceptive acts or practices in the business of insurance.
(a) Making, issuing, circulating, or causing to be made, issued or circulated, any estimate, illustration, circular or statement misrepresenting the terms of any policy issued or to be issued or the benefits or advantages promised thereby or the dividends or share of the surplus to be received thereon, or making any false or misleading statement as to the dividends or share of surplus previously paid on similar policies, or making any misleading representation or any misrepresentation as to the financial condition of any insurer, or as to the legal reserve system upon which any life insurer operates, or using any name or title of any policy or class of policies misrepresenting the true nature thereof, or making any misrepresentation to any policyholder insured in any company for the purpose of inducing or tending to induce the policyholder to lapse, forfeit, or surrender his or her insurance.
(b) Making or disseminating or causing to be made or disseminated before the public in this state, in any newspaper or other publication, or any advertising device, or by public outcry or proclamation, or in any other manner or means whatsoever, any statement containing any assertion, representation or statement with respect to the business of insurance or with respect to any person in the conduct of his or her insurance business, which is untrue, deceptive, or misleading, and which is known, or which by the exercise of reasonable care should be known, to be untrue, deceptive, or misleading.
(c) Entering into any agreement to commit, or by any concerted action committing, any act of boycott, coercion or intimidation resulting in or tending to result in unreasonable restraint of, or monopoly in, the business of insurance.
(d) Filing with any supervisory or other public official, or making, publishing, disseminating, circulating, or delivering to any person, or placing before the public, or causing directly or indirectly, to be made, published, disseminated, circulated, delivered to any person, or placed before the public any false statement of financial condition of an insurer with intent to deceive.
(e) Making any false entry in any book, report, or statement of any insurer with intent to deceive any agent or examiner lawfully appointed to examine into its condition or into any of its affairs, or any public official to whom the insurer is required by law to report, or who has authority by law to examine into its condition or into any of its affairs, or, with like intent, willfully omitting to make a true entry of any material fact pertaining to the business of the insurer in any book, report, or statement of the insurer.
(f) Making or permitting any unfair discrimination between individuals of the same class and equal expectation of life in the rates charged for any contract of life insurance or of life annuity or in the dividends or other benefits payable thereon, or in any other of the terms and conditions of the contract. This subdivision shall be interpreted, for any contract of ordinary life insurance or individual life annuity applied for and issued on or after January 1, 1981, to require differentials based upon the sex of the individual insured or annuitant in the rates or dividends or benefits, or any combination thereof. This requirement is satisfied if those differentials are substantially supported by valid pertinent data segregated by sex, including, but not necessarily limited to, mortality data segregated by sex. However, for any contract of ordinary life insurance or individual life annuity applied for and issued on or after January 1, 1981, but before the compliance date, in lieu of those differentials based on data segregated by sex, rates, or dividends or benefits, or any combination thereof, for ordinary life insurance or individual life annuity on a female life may be calculated as follows:
(1) according to an age not less than three years nor more than six years younger than the actual age of the female insured or female annuitant, in the case of a contract of ordinary life insurance with a face value greater than five thousand dollars ($5,000) or a contract of individual life annuity; and
(2) according to an age not more than six years younger than the actual age of the female insured, in the case of a contract of ordinary life insurance with a face value of five thousand dollars ($5,000) or less. ""Compliance date"" as used in this paragraph shall mean the date or dates established as the operative date or dates by future amendments to this code directing and authorizing life insurers to use a mortality table containing mortality data segregated by sex for the calculation of adjusted premiums and present values for nonforfeiture benefits and valuation reserves as specified in Sections 10163.5 and 10489.2 or successor sections. Notwithstanding the provisions of this subdivision, sex-based differentials in rates or dividends or benefits, or any combination thereof, shall not be required for (1) any contract of life insurance or life annuity issued pursuant to arrangements which may be considered terms, conditions, or privileges of employment as these terms are used in Title VII of the Civil Rights Act of 1964 (Public Law 88-352), as amended, and (2) tax sheltered annuities for employees of public schools or of tax exempt organizations described in Section 501(c) (3) of the Internal Revenue Code. (g) Making or disseminating, or causing to be made or disseminated, before the public in this state, in any newspaper or other publication, or any other advertising device, or by public outcry or proclamation, or in any other manner or means whatever, whether directly or by implication, any statement that a named insurer, or named insurers, are members of the California Insurance Guarantee Association or insured against insolvency as defined in Section 119.5. This subdivision shall not be interpreted to prohibit any activity of the California Insurance Guarantee Association or the commissioner authorized, directly or by implication, by Article 14.2 (commencing with Section 1063).
(h) Knowingly committing or performing with such frequency as to indicate a general business practice any of the following unfair claims settlement practices:
(1) Misrepresenting to claimants’ pertinent facts or insurance policy provisions relating to any coverages at issue.
(2) Failing to acknowledge and act reasonably promptly upon communications with respect to claims arising under insurance policies.
(3) Failing to adopt and implement reasonable standards for the prompt investigation and processing of claims arising under insurance policies.
(4) Failing to affirm or deny coverage of claims within a reasonable time after proof of loss requirements have been completed and submitted by the insured.
(5) Not attempting in good faith to effectuate prompt, fair, and equitable settlements of claims in which liability has become reasonably clear.
(6) Compelling insureds to institute litigation to recover amounts due under an insurance policy by offering substantially less than the amounts ultimately recovered in actions brought by the insureds, when the insureds have made claims for amounts reasonably similar to the amounts ultimately recovered.
(7) Attempting to settle a claim by an insured for less than the amount to which a reasonable person would have believed he or she was entitled by reference to written or printed advertising material accompanying or made part of an application.
(8) Attempting to settle claims on the basis of an application which was altered without notice to, or knowledge or consent of, the insured, his or her representative, agent, or broker.
(9) Failing, after payment of a claim, to inform insureds or beneficiaries, upon request by them, of the coverage under which payment has been made.
(10) Making known to insureds or claimants a practice of the insurer of appealing from arbitration awards in favor of insureds or claimants for the purpose of compelling them to accept settlements or compromises less than the amount awarded in arbitration.
(11) Delaying the investigation or payment of claims by requiring an insured, claimant, or the physician of either, to submit a preliminary claim report, and then requiring the subsequent submission of formal proof of loss forms, both of which submissions contain substantially the same information.
(12) Failing to settle claims promptly, where liability has become apparent, under one portion of the insurance policy coverage in order to influence settlements under other portions of the insurance policy coverage.
(13) Failing to provide promptly a reasonable explanation of the basis relied on in the insurance policy, in relation to the facts or applicable law, for the denial of a claim or for the offer of a compromise settlement.
(14) Directly advising a claimant not to obtain the services of an attorney.
(15) Misleading a claimant as to the applicable statute of limitations.
(16) Delaying the payment or provision of hospital, medical, or surgical benefits for services provided with respect to acquired immune deficiency syndrome or AIDS-related complex for more than 60 days after the insurer has received a claim for those benefits, where the delay in claim payment is for the purpose of investigating whether the condition preexisted the coverage. However, this 60-day period shall not include any time during which the insurer is awaiting a response for relevant medical information from a health care provider.
(i) Canceling or refusing to renew a policy in violation of Section 676.10. 790.031. The requirements of subdivision (b) of Section 790.034, and Sections 2071.1 and 10082.3 shall apply only to policies of residential property insurance as defined in Section 10087, policies and endorsements containing those coverages prescribed in Chapter 8.5 (commencing with Section 10081) of Part 1 of Division 2, policies issued by the California Earthquake Authority pursuant to Chapter 8.6 (commencing with Section 10089.5) of Part 1 of Division 2, policies and endorsements that insure against property damage and are issued to common interest developments or to associations managing common interest developments, as those terms are defined in Section 1351 of the Civil Code, and to policies issued pursuant to Section 120 that insure against property damage to residential units or contents thereof owned by one or more persons located in this state. 790.034.
(a) Regulations adopted by the commissioner pursuant to this article that relate to the settlement of claims shall take into consideration settlement practices by classes of insurers.
(b) (1) Upon receiving notice of a claim, every insurer shall immediately, but no more than 15 calendar days after receipt of the claim, provide the insured with a legible written notice containing the following: ""In addition to Section 790.03 of the Insurance Code provided here, Fair Claims Settlement Practices Regulations govern how insurance claims must be processed in this state. These regulations are available at the Department of Insurance Internet site, www.insurance.ca.gov. You may also obtain a copy of these regulations free of charge from this insurer.""
(2) Every insurer shall provide, whether requested orally or in writing by an insured, a copy of the Fair Claims Settlement Practices Regulations as set forth in Sections 2695.5, 2695.7, 2695.8, and 2695.9 of subchapter 7.5 of Chapter 5 of Title 10 of the California Code of Regulations, unless the regulations are inapplicable to that class of insurer. These regulations shall be provided to the insured within 15 calendar days of request.
(3) The provisions of this subdivision shall apply to all insurers except for those that are licensed pursuant to Chapter 1 (commencing with Section 12340) of Part 6 of Division 2,with respect to policies and endorsements described in Section 790.031.
(j) Holding oneself out as representing, constituting, or otherwise providing services on behalf of the California Health Benefit Exchange established pursuant to Section 100500 of the Government Code with a valid agreement with the California Health Benefit Exchange to engage in those activities.
If you disagree with our handling of this claim, you can have the matter reviewed by:
California Department of Insurance
Consumer Services and Market Conduct Branch
Claims Services Bureau
300 South Spring Street
Los Angeles, CA 90013
(800) 927-4357
Fax: (213) 897-5961
Colorado
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Summary of §10-4-120, Colorado Revised Statutes
The law prohibits an insurance company or its agent from:
The law requires an insurance company or its agent to:
Connecticut
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
If you do not agree with this decision, you may contact the Division of Consumer Affairs within the Insurance Department. The address is:
Connecticut Insurance Department
Consumer Affairs Division
P.O. Box 816
Hartford CT 06142-0816
You may also call (800) 203-3447 (Connecticut only) or (860) 297-3900 (Hartford area or outside of Connecticut), or contact them online at www.ct.gov/cid.
Delaware
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Florida
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Georgia
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Hawaii
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Idaho
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Illinois
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Part 919 of the Rules of the Illinois Department of Insurance requires that our company advise you that, if you wish to take this matter up with the Illinois Department of Insurance, it maintains a Consumer Division in Chicago at 122 S. Michigan Ave., 19th Floor, Chicago, Illinois 60603 and in Springfield at 320 West Washington Street, Springfield, Illinois 62767
Iowa
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Kansas
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Kentucky
NOTICE: UNDER KENTUCKY LAW, THE CONSUMER AND/OR LESSEE HAS THE RIGHT TO CHOOSE THE REPAIR FACILITY TO MAKE REPAIRS TO HIS OR HER MOTOR VEHICLE.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Louisiana
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Maine
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Maryland
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Massachusetts
Massachusetts law indicates that no insurer or appraiser shall require that repairs to any motor vehicle be made at any specific repair shop, or list of repair shops.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Michigan
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Minnesota
Minnesota law gives you the right to choose a repair shop to fix your vehicle. Your policy will cover the reasonable costs of repairing your vehicle to its pre-accident condition no matter where you have repairs made.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Additionally, Minnesota law gives you the right to choose any rental vehicle company and prohibits me from requiring you to choose a particular vendor.
If this is a fire loss, you have a right to file a complaint regarding the denial. A complaint may be filed with the Minnesota Department of Commerce at:
Minnesota Department of Commerce
85 7th Place East, Suite 500
St. Paul, MN 55101-3165
(651) 296-4026
Mississippi
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Missouri
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Montana
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Nebraska
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Under NER 210.60 008.08, if you object to our adjustment of your claim, you’re entitled to have the matter reviewed by:
State of Nebraska Department of Insurance
941 “O” Street , P.O. Box 82089
Lincoln, Nebraska 68501-2089
(402) 471-2201
Consumer Affairs Hotline: (877) 564-7323 (in-state only)
Nevada
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
New Hampshire
Under New Hampshire law, you are always entitled to use the repair shop or facility of your choice. If we are unable to agree on price with the facility you have chosen, New Hampshire law provides that our payment for repair cost may be limited to the price available from a recognized, competent and conveniently located independent repair shop or facility that is willing and able to repair the damaged motor vehicle within a reasonable time. You may be responsible for the difference between our payment and the price charged to you by the facility you have chosen. Upon your request, we will furnish a written disclosure of the factual basis for our determination of the fair and reasonable price. If you are our insured and disagree with our determination of the amount of loss, you are entitled to exercise the appraisal provision of your policy.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
New Hampshire Insurance Code 407-D:3-a states:
New Hampshire requires OEM parts for vehicles that have been in service for less than two years and have fewer than 30,000 miles on them. In addition, OEM parts are required if a vehicle is leased and the lease specifies that the use of aftermarkets parts will cause a diminution of the residual value of the vehicle. If you have a leased vehicle, please review your lease and let us know if the lease has an OEM parts requirement.
We will, of course, be available to you to discuss the position we have taken. You may reach us at 1-800-332-3226. If you are a New Hampshire resident; if your policy insures property located in New Hampshire; or if you have been injured/your property has been damaged by a New Hampshire resident and you wish to take this matter up with the New Hampshire Insurance Department, it maintains a consumer services division to assist consumers with complaints at 21 South Fruit Street, Suite 14, Concord, NH, 03301. The New Hampshire Insurance Department can be reached, toll free, by dialing 1-800-852-3416.
New Jersey
In accordance with New Jersey Regulation 11:3-10.3(e), you as the Insured may use any repair facility of your own choice. Please be sure the repair shop receives a copy of your estimate. With respect to automobile damage claims, when you elect to use a repair facility of your choice, the law requires that the entity engaged in the business of auto body repair must be duly licensed. In addition, Liberty Mutual is prohibited by law from negotiating, adjusting or settling any automobile damage claim with an unlicensed facility.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
If you don’t agree with our position, you have the right of appeal under the law. A committee of company employees who are at a supervisory level or higher will review the appeal. The review will be completed within 10 business days of receipt of your letter and written notice will be sent within three business days of the decision.
This Internal Appeals Process does not waive or alter any of the terms or conditions of our policy, nor does it extend any statutes of limitation or suit limitation provisions. Please direct your appeal to:
New Jersey Claims Internal Appeals Committee Liberty Mutual Insurance 175 Berkeley Street Boston, MA, 02116 PresidentialSvcTeam@LibertyMutual.com
Please contact us if you have any questions about this process. We can assist you more quickly if you reference your claim number in all communications. If you want, you can also speak with:
Office of Insurance Claims Ombudsman
Department of Banking and Insurance
PO Box 472
Trenton, NJ 08625-0472
Telephone: (609) 292-7272
Telefax: (609) 292-2431
E-mail: ombudsman@dobi.nj.gov
New Mexico
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
New York
PURSUANT TO SECTION 2610 OF THE INSURANCE LAW, AN INSURANCE COMPANY CANNOT REQUIRE THAT REPAIRS BE MADE TO A MOTOR VEHICLE IN A PARTICULAR PLACE OR REPAIR SHOP. YOU HAVE THE RIGHT TO HAVE YOUR VEHICLE REPAIRED IN THE SHOP OF YOUR CHOICE
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
The State of New York requires that you complete and return the MV-104 form to the Department of Motor Vehicles (DMV). Please refer to the form for details on how to complete it. The DMV will return any form that is not completed in its entirety. If a claim related to this accident is made against you, we will need this form in order to defend you. You can find this form here: https://dmv.ny.gov/forms/mv104.pdf
Important: Failure to file this form within 10 days could result in the suspension of your license, your registration, or both.
Whenever you file a physical damage claim under your auto insurance policy, the State of New York requires a Certificate of Automobile Repair to verify that authorized repairs are complete. The State requires that the Certificate of Automobile Repair form be completed and signed by both you and a representative of the repair shop after the repairs are completed. The Certificate of Automobile Repair is not an authorization to repair your vehicle, nor is it a confirmation that your Liberty Mutual policy extends coverage for the damages sustained in this accident.
Should you wish to take this matter up with the New York State Department of Financial Services, you may file with the department either on its website at http://www.dfs.ny.gov/consumer/fileacomplaint.htm or you may write to or visit the Consumer Assistance Unit, Financial Frauds and Consumer Protection Division, New York State Department of Financial Services, at: One State Street, New York, NY 10004; One Commerce Plaza, Albany, NY 12257; 1399 Franklin Avenue, Garden City, NY 11530; or Walter J. Mahoney Office Building, 65 Court Street, Buffalo, NY 14202
North Carolina
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Ohio
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Oklahoma
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Oregon
OREGON LAW PROHIBITS US FROM REQUIRING YOU TO GET REPAIRS TO YOUR VEHICLE AT A PARTICULAR MOTOR VEHICLE REPAIR SHOP. YOU HAVE THE RIGHT TO SELECT THE MOTOR VEHICLE REPAIR SHOP OF YOUR CHOICE.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Pennsylvania
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Rhode Island
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
If you object to this denial, you may have the matter reviewed by:
Rhode Island Department of Business Regulation
Insurance Division
1511 Pontiac Avenue, Bldg. 69-2
Cranston, Rhode Island 02920
(401) 462-9520
insuranceinquiry@dbr.ri.gov
www.dbr.ri.gov/divisions/insurance/
South Carolina
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
South Dakota
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Tennessee
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
In Tennessee, as set forth under the provisions of 55-12-104, T.C.A., you must file, or have filed on your behalf, a personal report with the Department of Safety and Homeland Security, if you were involved in an automobile crash as an owner or driver involving death or injury, or in which damage to property was in excess of one thousand five hundred dollars ($1,500) to any person involved, OR if an accident results in damage to state or local government property in excess of four hundred dollars ($400). This report is required regardless of who was at fault and in addition to any report filed by an investigating officer.
Failure to file a personal crash report with the Tennessee Department of Safety and Homeland Security may result in the suspension of driver license and registrations or nonresident operating privileges of any person involved in a crash.
Your report must be submitted to the Department within twenty (20) days from the crash. You can satisfy this requirement by completing the online form located at the website https://www.tn.gov/content/dam/tn/safety/documents/owneroperator.pdf and mailing it to:
Tennessee Department of Safety and Homeland Security
P.O. Box 945
Nashville, TN 37202
If you have any questions, please call toll-free 866-903-7357 or the Telecommunications Device for the Deaf at 615-532-2281
Texas
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Your statutory rights regarding motor vehicle repairs are explained in the following copy of the Insurance Code s 1952.301 to 1952.307,
SUBCHAPTER G. REPAIR OF MOTOR VEHICLES
Sec. 1952.301. LIMITATION ON PARTS, PRODUCTS, OR REPAIR PERSONS OR FACILITIES PROHIBITED.
a) Except as provided by rules adopted by the commissioner, under an automobile insurance policy that is delivered, issued for delivery, or renewed in this state, an insurer may not directly or indirectly limit the insurer's coverage under a policy covering damage to a motor vehicle by:
1. specifying the brand, type, kind, age, vendor, supplier, or condition of parts or products that may be used to repair the vehicle; or
2. limiting the beneficiary of the policy from selecting a repair person or facility to repair damage to the vehicle.
b) In settling a liability claim by a third party against an insured for property damage claimed by the third party, an insurer may not require the third-party claimant to have repairs made by a particular repair person or facility or to use a particular brand, type, kind, age, vendor, supplier, or condition of parts or products.
Added by Acts 2005, 79th Leg., ch. 727, Sec. 2, eff. April 1, 2007.
Sec. 1952.302. PROHIBITED ACTS IN CONNECTION WITH REPAIR OF MOTOR VEHICLE.
In connection with the repair of damage to a motor vehicle covered under an automobile insurance policy, an insurer, an employee or agent of an insurer, an insurance adjuster, or an entity that employs an insurance adjuster may not:
1. solicit or accept a referral fee or gratuity in exchange for referring a beneficiary or third-party claimant to a repair person or facility to repair the damage;
2. state or suggest, either orally or in writing, to a beneficiary that the beneficiary must use a specific repair person or facility, or a repair person or facility identified on a preferred list compiled by an insurer for the damage repair or parts replacement to be covered by the policy; or
3. restrict the right of a beneficiary or third-party claimant to choose a repair person or facility by requiring the beneficiary or third-party claimant to travel an unreasonable distance to repair the damage.
Added by Acts 2005, 79th Leg., ch. 727, Sec. 2, eff. April 1, 2007.
Sec. 1952.303. CONTRACTS BETWEEN INSURER AND REPAIR PERSON OR FACILITY.
a) A contract between an insurer and a repair person or facility, including an agreement under which the repair person or facility agrees to extend discounts for parts or labor to the insurer in exchange for referrals by the insurer, may not result in a reduction of coverage under an insured's automobile insurance policy.
b) The commissioner may adopt rules under Chapter 542 with respect to any fraudulent activity of any party to an agreement described by Subsection (a).
Added by Acts 2005, 79th Leg., ch. 727, Sec. 2, eff. April 1, 2007.
Sec. 1952.304. PROVISION OF INFORMATION REGARDING REPAIRS.
An insurer may not prohibit a repair person or facility from providing a beneficiary or third-party claimant with information that states:
1. the description, manufacturer, or source of the parts used; and
2. the the amounts charged to the insurer for the parts and related labor.
Added by Acts 2005, 79th Leg., ch. 727, Sec. 2, eff. April 1, 2007.
Sec. 1952.305. NOTICE OF RIGHTS REGARDING REPAIR OF MOTOR VEHICLE.
a) At the time a motor vehicle is presented to an insurer, an insurance adjuster, or other person in connection with a claim for damage repair, the insurer, insurance adjuster, or other person shall provide to the beneficiary or third-party claimant notice of the provisions of this subchapter.
b) The commissioner shall adopt a rule establishing the method or methods insurers must use to comply with the notice provisions of this section.
Added by Acts 2005, 79th Leg., ch. 727, Sec. 2, eff. April 1, 2007.
Sec. 1952.306. COMPLAINTS.
A beneficiary, third-party claimant, or repair person or facility may submit a written, documented complaint to the department with respect to an alleged violation of this subchapter.
Added by Acts 2005, 79th Leg., ch. 727, Sec. 2, eff. April 1, 2007.
Sec. 1952.307. RULES.
Rules adopted by the commissioner to implement this subchapter must include requirements that:
1. any limitation described by Section 1952.301(a) be clearly and prominently displayed on the face of the insurance policy or certificate in lieu of an insurance policy; and
2. the insured give written consent to a limitation described by Section 1952.301(a) after the insured is notified orally and in writing of the limitation at the time the insurance policy is purchased.
Added by Acts 2005, 79th Leg., ch. 727, Sec. 2, eff. April 1, 2007.
For questions about your statutory rights regarding motor vehicle repairs, please contact the Texas Department of Insurance at:
Consumer Protection Division
P.O. Box 149091
Austin, TX 78714-9091
Phone: (800) 252-3439,
Fax: (512) 475-1771,
Email: ConsumerProtection@tdi.state.tx.us,
Online: www.tdi.texas.gov/consumer
28 TAC s 5.501
Vermont
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Virginia
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Washington
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
If you have questions or concerns about the actions of your insurance company or agent, or would like information on your rights to file an appeal, contact the Washington state Office of the Insurance Commissioner's consumer protection hotline at 1-800-562-6900 or visit www.insurance.wa.gov. The insurance commissioner protects and educates insurance consumers, advances the public interest, and provides fair and efficient regulation of the insurance industry.
West Virginia
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
In accordance with West Virginia Statute 114-14-6.17 of the Code of State Rules, you can take this matter up with the Office of the Insurance Commissioner at:
West Virginia Offices of the Insurance Commissioner
Attn: Consumer Service Division
P.O. Box 50540
Charleston, WV 25305-0540
Toll-free: (888) 879-9842
Direct: (304) 558-5838
www.wvinsurance.gov
They are also available at this address: 900 Pennsylvania Ave., Charleston, WV 25302
Wisconsin
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.
Wyoming
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.
In your state, and subject to your degree of liability for this accident, you may have the right to recover certain incurred Out-of-Pocket expenses directly from the responsible party’s insurance carrier. This relates to those expenses not normally covered by your policy. Please retain any receipts should you incur an Out-of-Pocket expense. If we identify a recovery opportunity, a Recovery team member will reach out with more information on how we can assist you in the process.