10-04-2026, 10:21 PM
加州車損理賠維修：你可選修理廠，先拿分項估價
加州保險局的 Auto Repair Consumer Bill of Rights 說明，消費者可以選擇車身修理廠，保險公司不能強迫使用指定店家。接受維修前，應取得分項估價；完成後保留發票，核對更換零件是新品、二手、售後市場或翻修件等類別。
拖車、存車及租車費用是否受保，須先按保單與理賠安排確認，不要因車子送到修理廠便假設全數涵蓋。若爭議涉及修理品質，可查 Bureau of Automotive Repair；若是保險公司的理賠處理，則查保險局的投訴渠道。保留照片、估價、授權與往來記錄，有助說明問題。
原刊日期未能確認。查閱日期：2026-10-04。官方資料：https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/upload/AutoRepairConsumerBillofRights_Final-3.pdf
English
California insured auto repairs: choose the shop and obtain an itemized estimate
California’s Auto Repair Consumer Bill of Rights says consumers may choose their body-repair shop; an insurer cannot require a particular shop. Obtain an itemized estimate before authorizing repairs and keep the final invoice, including whether replacement parts are new, used, aftermarket or rebuilt.
Confirm towing, storage and rental-car coverage under the policy and claim arrangements rather than assuming every charge is covered. Repair-quality concerns can go to the Bureau of Automotive Repair; insurance claim-handling concerns belong with the Department of Insurance. Keep photographs, estimates, authorizations and correspondence to explain the dispute.
Original publication date not established. Checked October 4, 2026. Official source: https://www.insurance.ca.gov/01-consumer...inal-3.pdf
![[Image: legal.jpg]](https://inl3-media.pages.dev/assets/photos/legal.jpg)
Alena Darmel / Pexels · 文件簽署情境資料照，非本文機構或真實申請 / Document-signing context, not this institution or an actual application. Source: https://www.pexels.com/photo/a-person-si...t-7641842/ Licence: https://www.pexels.com/license/
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來源 / Source: California Department of Insurance
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.
加州保險局的 Auto Repair Consumer Bill of Rights 說明，消費者可以選擇車身修理廠，保險公司不能強迫使用指定店家。接受維修前，應取得分項估價；完成後保留發票，核對更換零件是新品、二手、售後市場或翻修件等類別。
拖車、存車及租車費用是否受保，須先按保單與理賠安排確認，不要因車子送到修理廠便假設全數涵蓋。若爭議涉及修理品質，可查 Bureau of Automotive Repair；若是保險公司的理賠處理，則查保險局的投訴渠道。保留照片、估價、授權與往來記錄，有助說明問題。
原刊日期未能確認。查閱日期：2026-10-04。官方資料：https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/upload/AutoRepairConsumerBillofRights_Final-3.pdf
English
California insured auto repairs: choose the shop and obtain an itemized estimate
California’s Auto Repair Consumer Bill of Rights says consumers may choose their body-repair shop; an insurer cannot require a particular shop. Obtain an itemized estimate before authorizing repairs and keep the final invoice, including whether replacement parts are new, used, aftermarket or rebuilt.
Confirm towing, storage and rental-car coverage under the policy and claim arrangements rather than assuming every charge is covered. Repair-quality concerns can go to the Bureau of Automotive Repair; insurance claim-handling concerns belong with the Department of Insurance. Keep photographs, estimates, authorizations and correspondence to explain the dispute.
Original publication date not established. Checked October 4, 2026. Official source: https://www.insurance.ca.gov/01-consumer...inal-3.pdf
Alena Darmel / Pexels · 文件簽署情境資料照，非本文機構或真實申請 / Document-signing context, not this institution or an actual application. Source: https://www.pexels.com/photo/a-person-si...t-7641842/ Licence: https://www.pexels.com/license/
---
來源 / Source: California Department of Insurance
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.