# 05 · Insurer rules: DRP guidelines, estimate and supplement rules, non-Northeast state laws

Research date: 2026-10-17. Scope extends `research/vive/3-insurers/state_rules.csv` (Northeast) and `docs/03-claims-rulebooks.md`. It does not repeat them.

Note on `research/competitive-landscape/evidence/pages/etximpaxt.json`: this file is the eTX ImpaXt marketing page. It has no DRP agreement text. The only DRP line is "A DRP partner needs a supplement. An adjuster wants photos resent." So this report is the first in the folder with primary DRP document text.

Note on method: the shared web-search budget ran out near the end of this task. Some leads (court exhibits for GEICO ARX and Allstate GHRN agreements, Utah HB 119 text) were not checked. They are marked UNVERIFIED.

## 1. Summary table

| Item | Public? | Latest data point (date) | Source URL | Confidence | How Revv uses it |
|---|---|---|---|---|---|
| Progressive Network Repair Shop Operations Guide (Exhibit A to the Repair Shop Program Agreement) | Yes free | Full 7-page PDF on progressive.com. Server Last-Modified 2024-05-20. A newer web version shows "All Shops" supplement rules (page footer 1995-2026) | https://www.progressive.com/Content/PDF/claims/Network-Repair-Shop-Operations-Guide.pdf ; https://www.progressive.com/vendorconduct/repair-standards/ | High (primary) | Encode as a Progressive rule pack: supplement request within 48 h of "At Shop", reason in notes, no OEM-to-non-OEM swap or replace-to-repair swap without written consent, Progressive pays only what is on an Estimate or Supplement |
| Progressive network entry requirements | Yes free | Page lists "Mitchell Estimating", digital photography, EFT, continuing education (undated, live 2026-10) | https://www.progressive.com/partners/join-network-shops/ | High | Revv must export to Mitchell for Progressive network shops |
| State Farm Select Service Agreement (current) | No | Behind B2B login ("Access agreements" link). Only a 2015 version leaked via the Pulera v. State Farm exhibit (reported 2018-03-23) | https://b2b.statefarm.com/b2b-content/select-service ; https://www.repairerdrivennews.com/?p=25368 | High that it is not public | Treat terms as unknown. Learn from outcomes. 2015 text shows most-favored-nation pricing on labor, paint/materials and parts |
| State Farm supplement request process and photo guide | Yes free | Request Supplement instructions PDF (Last-Modified 2025-08-06). Vehicle Photo Examples PDF (Last-Modified 2022-11-15). No login needed to submit | https://b2b.statefarm.com/b2b-content/claim-services/request-supplement ; https://b2b.statefarm.com/content/dam/sf-library/en-us/secure/legacy/pdf/b2b/sreq-job-Aid_inst.pdf ; https://b2b.statefarm.com/content/dam/sf-library/en-us/secure/legacy/pdf/b2b/reqSupp_photoDocGuide.pdf | High (primary) | Build a State Farm supplement packet: 5 request types, max 5 entries, 20 files, PDF/JPG only, 17 MB per file, 19 MB total, plus the photo checklist |
| State Farm non-OEM parts policy | Partly (memo reported) | Memo 2023-08-30, effective 2023-10-16. CAPA or NSF certified non-OEM parts only. No parts with OEM logo | https://www.repairerdrivennews.com/2023/10/10/state-farm-doubles-back-on-drp-use-of-aftermarket-parts/ | Medium-high (trade press quotes memo) | Flag non-certified or logo parts on State Farm estimates |
| State Farm calibration program (ADAS MAP by Opus IVS) | Partly (emails reported) | National rollout announced April 2025. Pilot from Oct 2024 (CO, MI), Feb 2025 (IL, IN, MO, WI). $3 per VIN, shop pays. Calibration billing capped at State Farm part code table | https://www.repairerdrivennews.com/2025/04/24/repairers-say-they-are-feeling-price-pressure-from-state-farm-calibration-program/ ; https://www.repairerdrivennews.com/2025/05/20/opus-agreement-for-state-farm-shops-states-all-adas-map-results-must-be-checked-against-oem-procedures/ | Medium-high | Show the gap between OEM-required calibration and the State Farm cap. Remind the shop that liability stays with the shop |
| State Farm estimating platform | Partly | Dual platform (CCC ONE or Mitchell Cloud Estimating) announced 2025-09-08 for all Select Service shops. State-by-state go-live published Oct 2025 | https://www.repairerdrivennews.com/2025/09/11/state-farm-to-use-ccc-mitchell-for-select-service-network/ ; https://www.repairerdrivennews.com/2025/10/29/state-farm-announces-roll-out-schedule-of-dual-plaform-estimating/ | Medium-high | Revv must output to both CCC and Mitchell for State Farm DRP shops |
| State Farm labor rates ("prevailing competitive pricing") | No (survey behind login) | 2026: shops report cuts up to 20% in 8 months. NY App. Div. 2d Dept., Prospect Auto v. State Farm, order 2026-09-23: State Farm "never furnished the survey it purported to rely upon" | https://www.repairerdrivennews.com/2026/05/01/state-farm-claims-practices-cited-as-ongoing-issue-by-collision-industry/ ; https://www.repairerdrivennews.com/2026/10/08/supreme-court-revives-claim-underpayment-suit-against-state-farm-questions-prevailing-rate-survey/ | Medium (trade press, court order quoted) | Track paid labor rate per insurer per market. Give shops a "ask for the survey" letter where state law supports it |
| State Farm centralized estimate review | No | April 2026 SCRS/CIC: an Arizona review team removes operations from appraiser estimates. Reviewer names "specifically excluded from the claim file". Supplements take "10-14 days" | https://www.repairerdrivennews.com/2026/05/01/state-farm-claims-practices-cited-as-ongoing-issue-by-collision-industry/ | Medium (one repairer's account, State Farm disputed) | Log every removed line with the OEM document that supports it |
| GEICO ARX agreement | No | Not found on any public site. Antitrust suit (Leif's, filed Nov 2017) alleges written maximum-price agreements | https://www.bodyshopbusiness.com/?p=182895 | Medium | Unknown terms. Do not claim them |
| GEICO scan and calibration price table (asTech, then Protech) | Partly (emails reported, no $ figures public) | Original July 2024. Revised 2024-07-29. Protech added 2025-01-06. Max 3 calibrations per RO billed by vendor. Table "may not be all-inclusive and all items are considered for negotiation" | https://www.repairerdrivennews.com/2024/07/30/geico-updates-astech-pricing-agreement-industry-and-competition-react/ ; https://www.repairerdrivennews.com/2024/12/27/geico-expands-pricing-agreement-for-scans-and-calibrations-to-protech-automotive-solutions/ | Medium-high | Note the "considered for negotiation" line. Revv can attach documentation for items outside the table |
| GEICO supplement channel | Partly | 2016: B2B portal not mandatory for non-ARX shops. Fax and email accepted. Negotiation at reinspection | https://www.repairerdrivennews.com/2016/03/29/emails-geico-to-force-non-drp-shops-to-use-its-portal-for-supplements/ | Low-medium (old) | Needs a fresh check with shops |
| Allstate Good Hands Repair Network agreement | No | Not public. Oct 2025: Opus IVS ADAS MAP agreement, flat-rate 5-tier calibration pricing, $3 ADAS MAP fee reimbursed. Allstate says asTech and Opus are "approved, not preferred, providers" | https://www.repairerdrivennews.com/2025/10/28/allstate-announces-opus-ivs-agreement-for-good-hands-repair-network/ | Medium | Same calibration-gap logic as State Farm |
| USAA STARS / DRP guidelines | No | Only 2019 report: USAA routes more DRP estimates to review against internal guidelines that are not published. USAA "PDRP guidelines" PDF found online is for property (home), not auto | https://www.repairerdrivennews.com/2019/09/23/usaa-to-review-more-drp-auto-body-shop-estimates-for-accuracy/ | Medium that it is not public | Unknown terms |
| Liberty Mutual / Safeco Guaranteed Repair Network | No | Consumer pages only. Application form exists. No published shop rules found | https://safeco.com/claims/auto-claims/guaranteed-repair-network | Medium | Unknown terms |
| Farmers Circle of Dependability agreement | Partly (old) | SCRS published the agreement for public review, reported around 2020 (FenderBender dated 2020-01-01). Farmers later dropped the MFN clause per ASA. Current version not public | https://www.fenderbender.com/running-a-shop/finance/article/33030935/scrs-publishes-farmers-drp-agreement ; https://www.autoinc.org/farmers-drops-mfn-clause-new-drp-agreements/ | Low-medium | Ask SCRS for the archived copy. Do not rely on it as current |
| Nationwide On Your Side network | No | Consumer page and shop application only | https://www.nationwide.com/lc/resources/auto-insurance/articles/on-your-side-repair-network | Medium | Unknown terms |
| Travelers MyTravelers Repair Network | No | Consumer page: "Customers have the right to choose where their vehicle will be appraised (depending on state) and/or repaired" | https://www.travelers.com/claims/guides/auto-repair-network | High for the quote | Unknown terms |
| Insurer written scan policy (example: Auto-Owners) | Yes (reported) | 2019: honor OEM position statements on pre/post scans. Default 1 h pre + 1 h post at mechanical rate. Higher invoice via supplement | https://www.repairerdrivennews.com/2019/08/07/auto-owners-honor-oem-position-statements-on-scans-estimates-to-start-at-2-hours-mechanical/ | Medium (old) | Example of a published carrier scan rule. No top-9 carrier has a public equivalent that we found |
| Industry data: scans, calibrations, supplements | Yes free | CCC Q3 2025: scan on 87.7% of DRP appraisals, calibration on 35.6%, 51.5% of calibrations appear on a supplement. CCC 2025 full year: DRP 46.7% of appraisals, photo estimating 26.4%, aftermarket 22.7% of part dollars, labor rate +2.9% | https://www.cccis.com/reports/crash-course-2025/q4 ; https://www.repairerdrivennews.com/2026/04/10/ccc-report-shows-shift-to-drp-and-ai-appraisals/ | High | Core pitch: half of calibrations arrive as supplements. Revv puts them on the first estimate |
| Industry data: calibration cost | Yes free | Enlyte 2026 report (2025 data): calibration lines on 34.7% of estimates, $688 average where present | https://www.autobodynews.com/regional/midwest-regional-news/enlytes-2026-trends-report-tracks-climbing-calibration-costs-uneven-parts-inflation-and-a-repair-rate-reversal | High | Dollar value of a missed calibration line |
| WA auto PD claims rule R 2025-05 | Yes free | Filed 2026-08-18, effective 2026-10-18 | https://app.leg.wa.gov/WAC/default.aspx?cite=284-30-390 | High (checked on WAC page) | WA rule pack: 5-business-day supplement answer, no photo-only condition, labor-rate data source on request |
| CA labor rate survey rule 10 CCR 2695.81 | Yes free | Operative 2017-01-01. CDI enforcement on Allstate survey letter, May 2025 | https://www.law.cornell.edu/regulations/california/10-CCR-2695.81 | High | Check insurer surveys against the 16-month data rule |
| Mandatory auto appraisal laws (TX, WA, IL) | Yes free | TX SB 458 and WA SB 5721 apply to policies from 2026-01-01. IL PA 104-0767 effective 2027-07-01 | https://capitol.texas.gov/tlodocs/89R/billtext/html/SB00458F.htm ; https://app.leg.wa.gov/billsummary?BillNumber=5721&Year=2025 ; https://collisionweek.com/2026/08/17/illinois-governor-signs-auto-insurance-right-appraisal-law/ | High (TX, WA), Medium (IL, trade press) | Offer the appraisal step in the escalation ladder for these states |
| OEM-procedure payment laws in the 12 states | Yes free (bills) | None enacted. GA HB 1117 / HB 1420 filed 2026, status UNVERIFIED. TX SB 1429 died 2025 | https://www.repairerdrivennews.com/2026/02/04/georgia-bill-seeks-to-stop-steering-require-oem-procedures-and-supplemental-estimate-timelines/ | Medium-high | Do not claim a legal right to OEM procedures in these states |

## 2. Notes on insurer documents, with verbatim quotes

### 2.1 Progressive: the one public DRP exhibit (high value)

Progressive publishes Exhibit A of its Repair Shop Program Agreement. The agreement body is not public. Progressive can change Exhibit A "upon thirty days' prior written or electronic notice".

- Estimate is not a blueprint: "The Estimate is not a 'blueprint' or technical specification mandating how the actual repairs shall be made, as such repairs are the responsibility of the Contractor."
- Supplement timing (PDF): "This event should be entered as soon as possible, not to exceed 48 hours after 'At Shop.'" and "Repair Shop must specify in the notes the reason for requesting the Supplement."
- The web version (`/vendorconduct/repair-standards/`) puts this rule under "All Shops".
- Teardown: "The Contractor may, within forty-eight (48) hours after the vehicle arrives at the Repair Shop, perform minor disassembly (i.e. 'tear down')".
- Hidden damage: the shop must "Immediately contact Progressive via Web Tracker" and may continue repairs, but must "Agree to immediately discontinue repairs if requested to do so by Progressive."
- Parts: where the estimate specifies an OEM part, the shop "Will NOT substitute such non-OEM part or repair, rather than replace, the existing part, without Progressive's prior written consent."
- Payment cap: "Progressive is not obligated to pay any Charges that are: Not part of any Estimate, Supplement or Final Estimate; Not agreed to by Progressive".
- Pricing: final charges "will equal the total amount shown on the Estimate, including any Supplements or revisions made or approved in writing by Progressive." No storage charges unless agreed in writing.
- Service parity: shops give Progressive service "equal to or exceeds the level of service that is provided to any other insurance carrier(s)".
- What it does not contain: no labor rate, no parts-age rule, no aftermarket or recycled quota, no photo list, no scan or calibration rule. Those live in the agreement body or local pricing, which are not public.

### 2.2 State Farm

- Supplement form (2025 PDF): request types are "Parts Price", "Labor Time Change", "Repair/Replace Change", "Damage Not on Original", "Other". "The max number of entry boxes should be 5". Files: "PDF, JPG and JPEG", "Each file cannot exceed 17MB", "Total size of uploaded files cannot exceed 19MB", "Maximum of 20 files can be attached". Uploaded files "will become a permanent part of the claim".
- Photo guide (2022 PDF): "The number of photos required is dependent on what's necessary to capture and support damage as specified on the estimate or supplement." Required list: "Four overall photos, one from each corner ... with a legible license plate", "Photo of the VIN plate", "Photo of the odometer", "Point of impact photo taken from the height of the damage", "Photos of component damage to support the repair estimate", "Photos of prior damage if present", "Parts removed from the vehicle if partially disassembled", tow and sublet invoices. For supplements: "Overall photo showing current repair status" and "Images to clearly support supplemental items/labor requested".
- The portal says: "Only supplements should be submitted via the B2B site."
- Labor rates: the B2B FAQ says repairer survey data is what "State Farm considers ... when determining prevailing competitive prices for the local repair market." The survey and the "Market pricing" page need a login.
- Parts (2023 memo, as quoted by RDN): "Non-OEM crash parts included on estimates prepared by State Farm or a Select Service® repairer will be certified". Parts with an OEM name or logo "cannot be replaced with aftermarket parts".
- Calibration (2025 email, as quoted by RDN): "Repair facilities will incur a $3 charge per VIN when an estimate is run through ADAS MAP" and "This operating expense should not be passed on to State Farm or our customers." Calibration billing "should not exceed the price State Farm would have paid".
- The Opus agreement that shops sign says the tool "must not be relied on as an alternative to your own professional skill and judgement" and shops repair "entirely at your own risk".
- 2015 Select Service agreement (Pulera exhibit, via RDN 2018): shop must not charge State Farm above "[l]abor rates and paint and materials pricing offered to or agreed to with any other insurer". This is old. Current text is UNVERIFIED.
- Appraisal clause: SCRS chair Michael Bradshaw said in April 2026 that "State Farm has intentionally written the appraisal clause language out of policies in states where it's not a regulatory requirement". An Ohio shop owner said Ohio is one such state. UNVERIFIED against filed policy forms (check SERFF).
- A 2026 vendor article (RocketPros) says Select Service is CCC-only in 2026. This conflicts with the Sept 2025 dual-platform notice. The article itself says "Limited recent source material was available". Do not use it.

### 2.3 GEICO

- Public pages describe only the consumer promise: "GEICO and the repair facility guarantee the repairs for as long as you own your vehicle." No parts or procedure rules.
- Calibration table (2024 email, via RDN): "GEICO shops using the asTech Rules Engine will be eligible for an OEM or OEM-compatible scan". The table "may not be all-inclusive and all items are considered for negotiation". GEICO said pricing should be "consistent with prevailing competitive market prices".
- Dollar amounts in the GEICO table are not public. UNVERIFIED.

### 2.4 Allstate, USAA, Liberty/Safeco, Farmers, Nationwide, Travelers

- None publish DRP guidelines or estimate requirements that we found.
- Allstate GHRN staff job posts say consultants review vendor estimates in CCC ONE for "adherence to estimating best practices". This shows an internal rulebook exists. Its text is not public.
- A NJ court opinion (BER-L-1784-20, 2022) says Allstate estimates and supplements use the labor rates paid to its network shops. Source: https://www.njcourts.gov/system/files/court-opinions/2022/BER-L-1784-20.pdf. Read via search summary only. UNVERIFIED in full text.
- Hartford (2016) told DRP shops to consider same-series recycled parts older than the vehicle. Source: https://www.repairerdrivennews.com/2016/12/07/hartford-changes-policy-will-put-recycled-parts-older-than-vehicle-on-drp-customers-car/. Old, but it is the only public parts-age rule found.
- Parts-age rules (for example "OEM for vehicles under 2 years") for the top 9 insurers: not found in any public source. UNVERIFIED. Do not guess.

### 2.5 Supplement rules: what is public

| Insurer | Channel | Timing rule | Documents and photos | Source |
|---|---|---|---|---|
| Progressive | WebTracker "Supplement Request" event | Within 48 h of "At Shop". Reinspection "promptly" | Reason in notes. Shop may continue repairs after notice | Progressive PDF and repair-standards page |
| State Farm | B2B Request Supplement form, no login needed | No deadline stated | Itemized supplement estimate, photos, invoices. Photo checklist above | State Farm PDFs |
| GEICO | B2B portal (ARX). Fax or email accepted for non-ARX (2016) | Not stated | Not stated | RDN 2016 |
| Others | Not public | Not public | Not public | None |

State law adds deadlines in some states. See section 3 and the Northeast file (for example NY 2-business-day supplement reinspection).

## 3. State laws outside the Northeast

### 3.1 What changed in 2024-2026 (outside the Northeast)

| Date | State | Change | Status |
|---|---|---|---|
| 2025-09-01 (policies from 2026-01-01) | TX | SB 458: appraisal provision mandatory in personal auto policies | Law. TDI rules proposed Apr 2026, hearing 2026-06-02, adoption UNVERIFIED |
| 2025-07-27 (policies from 2026-01-01) | WA | SB 5721: appraisal provision mandatory for first-party physical damage | Law |
| 2026-10-18 | WA | R 2025-05 (WSR 26-17-089) rewrites WAC 284-30-330/-370/-380/-390. No photo-only evaluation as a condition of coverage. In-person inspection within 5 business days after a disputed virtual inspection. Written answer to supplements within 5 business days. Labor-rate database source must be disclosed on request. The old "hourly rate alone is arbitrary" clause is removed | Takes effect tomorrow. Verified on the WAC page |
| 2027-07-01 | IL | HB 4160 (Public Act 104-0767): statutory right to appraisal, new 215 ILCS 5/398 | Signed 2026-08-07 |
| 2027-01-01 | CA | SB 988 Motor Vehicle Glass Act: ADAS calibration disclosure for glass, anti-coercion | Signed Sept 2026 |
| 2026 session | GA | HB 1117 and HB 1420: OEM procedures, written itemized denials, supplement deadlines (1 / 3 / 10 business days) | Filed. Passage not found. UNVERIFIED |
| 2025 session | TX | SB 1429: OEM parts and procedures for vehicles 36 months old or less | Died in committee |
| Dec 2025 | OH | HB 636: aftermarket disclosure and OEM-parts coverage offer | Introduced. Status UNVERIFIED |
| May 2026 | OR | Proposed DFR bulletin on virtual claims: in-person adjuster on request, lowball first offers an unfair practice | Proposed. Final status UNVERIFIED |
| 2025-05 | CA | CDI made Allstate correct its 2025 labor-rate survey cover letter | Enforcement action |

Key result: none of the 12 states has an enacted law that makes insurers pay for OEM procedures, scans or calibrations. The 2024-2026 trend is mandatory appraisal (TX, WA, IL) and limits on photo-only estimating (WA, OR proposal).

### 3.2 Verbatim quotes, state law

- WA WAC 284-30-390 (eff. 2026-10-18): "Insurers shall not require the claimant to agree to only photo-based evaluation of damage as a condition of coverage."
- WA WAC 284-30-390 (eff. 2026-10-18): insurers "must respond in writing to the claimant and claimant's repair facility with its determination of amounts covered ... within five business days of insurer's receipt of any supplemental damage estimates and final invoice."
- WA history note: "WSR 26-17-089 (Matter R 2025-05), s 284-30-390, filed 8/18/26, effective 10/18/26".
- CA 10 CCR 2695.81(c): a standard survey "shall result in a rebuttable presumption by the Commissioner that the insurer has attempted in good faith".
- CA 10 CCR 2695.81(d)(1)(B)(1): "Only a survey that uses no labor rate information older than sixteen (16) months shall qualify".
- CA Ins. Code 758.5 notice: "WE ARE PROHIBITED BY LAW FROM REQUIRING THAT REPAIRS BE DONE AT A SPECIFIC AUTOMOTIVE REPAIR DEALER."
- TX Ins. Code 1813.003(b) (SB 458): appraisal is "solely to determine the amount of loss when that amount is in dispute between the policyholder and the insurer".
- TDI bulletin B-0031-10: "a claimant has the right to select where a motor vehicle is repaired and the parts used for repairs."
- NC G.S. 58-3-180(a): "A policy covering damage to a motor vehicle shall allow the claimant to select the repair service or source for the repair of the damage."
- NC 11 NCAC 04 .0419(c)(2): "An insurer shall perform a physical or digital inspection of the damaged vehicle within 10 business days of receipt of the claim."
- OR ORS 746.287: "Without the consent of the owner of the vehicle, an insurer may not require, directly or indirectly," a non-certified aftermarket crash part.
- CO DOI (2018): "There are no insurance laws under Title 10 that require insurers to follow the manufacturer guidelines on vehicle repair".

Quotes for CA, TX, NC, OR and CO come from research agents that read the primary pages. The WA quotes were checked again on 2026-10-17.

### 3.3 Gaps (UNVERIFIED)

- Final status of GA HB 1117 and HB 1420, OH HB 636, IL HB 4373 and the TX appraisal rules.
- NC bills: ncleg.gov blocked access. IL and OH legislature sites refused connections, so FindLaw and Cornell LII copies were used.
- Shop-as-negotiator licensing: only Oregon has a regulator letter (2019, informal) that says a shop may need an adjuster license. The other 11 states have no clear source.
- Florida 2024-2026 appraisal changes for auto were not fully checked.
- Utah HB 119 (2026, aftermarket notice) appears in a shop blog only. It is outside scope and UNVERIFIED.

### 3.4 State table

The full table is also in `05-state-rules-extra.csv` (99 rows, same columns as `state_rules.csv`).

| state | topic | rule summary | citation | effective date | source URL |
|---|---|---|---|---|---|
| CA | labor_rate_rule | A labor rate survey done by the standard method gives the insurer a rebuttable presumption of good faith. The survey must go to all BAR-registered body shops and use only direct shop responses. Data older than 16 months does not qualify. A filed survey qualifies for 1 year. | 10 CCR 2695.81 | Operative 2017-01-01. No later amendment in history notes. No 2024-2026 rulemaking found. | https://www.law.cornell.edu/regulations/california/10-CCR-2695.81 |
| CA | labor_rate_rule | CDI enforcement 2025: Allstate's 2025 survey cover letter cited 2695.81(d)(1)(C) incorrectly. CDI made Allstate correct the letter. Some shops may be paid up to 3.1% more. | 10 CCR 2695.81(d)(1)(C) | Reported 2025-05-14 | https://www.repairerdrivennews.com/2025/05/14/cdi-some-california-shops-may-be-paid-up-to-3-1-more-by-allstate/ |
| CA | oem_procedures | The insurer estimate must allow repair to accepted trade standards (B&P 9889.51, 16 CCR 3365). If the claimant shows a higher shop estimate, the insurer must pay the difference, name a shop that will repair for its amount, or adjust the shop estimate line by line. No statute makes insurers pay OEM procedures, scans or calibrations. | 10 CCR 2695.8(f)(1)-(3) | Text last amended 2017-01-01; non-substantive change filed 2021-07-14 | https://www.law.cornell.edu/regulations/california/10-CCR-2695.8 |
| CA | aftermarket_parts | An insurer can specify non-OEM crash parts only if they equal OEM in kind, quality, safety, fit and performance. The insurer must warrant this in writing. If a part does not comply, the insurer pays to remove and replace it. | 10 CCR 2695.8(g) | In force | https://www.law.cornell.edu/regulations/california/10-CCR-2695.8 |
| CA | anti_steering | An insurer cannot require a specific shop. It can suggest a shop only when the claimant asks or after written notice of the right to choose. After the claimant chooses, the insurer cannot recommend another shop. Travel limits: 15 miles urban, 25 miles other. A DRP inspection cannot be required. | Ins. Code 758.5; 10 CCR 2695.8(e) | In force | https://california.public.law/codes/ca_ins_code_section_758.5 |
| CA | claims_timing | The insurer must pay the repairer within 10 days after an itemized invoice for authorized, completed repairs. First-party: inspect within 6 business days, with exceptions. The 40-day and 30-day limits in 2695.7 do not apply to collision/comprehensive repair bills. | Ins. Code 560(a); 10 CCR 2695.8(e)(4)(B); 10 CCR 2695.7(b)(4),(h)(1) | In force | https://california.public.law/codes/ca_ins_code_section_560 |
| CA | appraiser_licensing | A person paid to investigate or adjust claims for an insurer needs an adjuster license unless exempt under 14022. UNVERIFIED: no source found on whether a shop can negotiate the estimate for the owner. | Ins. Code 14021, 14022 | In force | https://www.insurance.ca.gov/0200-industry/0120-notices/upload/NoticeInsAdjExamObj.pdf |
| CA | appraisal_clause | No auto-specific mandatory appraisal statute found. | None found | Not applicable | https://www.law.cornell.edu/regulations/california/10-CCR-2695.8 |
| CA | recent_legislation | SB 988, the Motor Vehicle Glass Act: glass shops must disclose ADAS calibration needs and give written notice of the calibration result. Insurers cannot tie a glass claim to one shop or mislead, threaten or coerce the insured in shop choice. | SB 988 (2026) | Signed Sept 2026; effective 2027-01-01 | https://www.autobodynews.com/news/california-enacts-motor-vehicle-glass-act |
| CA | recent_legislation | SB 1112: court review of wrongful vehicle holds and high storage fees. Body shops must post a BAR consumer-rights notice. | SB 1112 (2026) | Introduced; final status UNVERIFIED | https://bar.ca.gov/arsc/newsletters/newsletter/spring-2026/legislation-and-regulations-update |
| TX | appraisal_clause | Personal auto and residential property policies must have an appraisal provision. Appraisal sets only the amount of loss. The award binds both sides except for fraud, accident, material mistake or no authority. The commissioner must write rules on appraisal timelines. | SB 458 (89R); Ins. Code ch. 1813 | Effective 2025-09-01; applies to policies issued or renewed on or after 2026-01-01; law without signature 2025-06-20 | https://capitol.texas.gov/tlodocs/89R/billtext/html/SB00458F.htm |
| TX | appraisal_clause | TDI proposed rules that let either party demand appraisal. Public hearing 2026-06-02. Trade press reports 2026-09-01 implementation. UNVERIFIED: final adoption and final timelines. | 28 TAC 5.9800-5.9806 (proposed) | Proposed Apr 2026; adoption not confirmed | https://www.repairerdrivennews.com/2026/06/03/texas-department-of-insurance-holds-right-to-appraisal-public-hearing/ |
| TX | anti_steering | An insurer cannot limit coverage by restricting choice of repair shop. Insurers and adjusters cannot state or suggest that the claimant must use a specific or preferred shop, take referral fees or require unreasonable travel. A claim notice must tell claimants they can choose the shop and the parts. | Ins. Code 1952.301, 1952.302; 28 TAC 5.501 | In force | https://www.tdi.texas.gov/bulletins/2010/cc30.html |
| TX | aftermarket_parts | An insurer cannot limit coverage by specifying the brand, type, kind, age, vendor, supplier or condition of parts, except as the commissioner allows by rule. The insurer need not pay more than a reasonable amount. | Ins. Code 1952.301; 28 TAC 5.501 | In force | https://www.tdi.texas.gov/bulletins/2010/cc30.html |
| TX | oem_procedures | No statute found. SB 1429 would have required OEM parts and repair processes on vehicles owned 36 months or less unless the owner opted out. It died in committee. | SB 1429 (89R) | Referred to Business & Commerce 2025-03-06; died in committee | https://capitol.texas.gov/BillLookup/History.aspx?LegSess=89R&Bill=SB1429 |
| TX | labor_rate_rule | No statute found. No 2025-2026 labor rate bill found. 2019 bill HB 1348 did not become law. | None found | Not applicable | https://www.repairerdrivennews.com/?p=33509 |
| TX | claims_timing | First-party: the insurer must accept or reject within 15 business days after it receives all required proof of loss items. It must pay within 5 business days after notice of acceptance. | Ins. Code 542.056, 542.057 | In force | https://texas.public.law/statutes/tex._ins._code_section_542.057 |
| TX | appraiser_licensing | A public adjuster license applies to anyone who, for pay, acts for an insured to negotiate or settle a claim. UNVERIFIED: repair-shop exemptions in 4102.002 not checked. | Ins. Code 4102.001(3) | In force | https://texas.public.law/statutes/tex._ins._code_section_4102.001 |
| FL | aftermarket_parts | Each non-OEM aftermarket crash part on an estimate must be identified, with a disclosure in 10-point type or larger that the part maker or distributor warrants it. No consent is required. | Fla. Stat. 501.33 | In force (2026 statutes) | http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0501/Sections/0501.33.html |
| FL | aftermarket_parts | An insurer cannot require replacement parts that are not at least equal in kind and quality to the originals. Betterment and depreciation deductions must be itemized and explained in writing on request. | Fla. Stat. 626.9743(4),(6) | In force (2026 statutes) | http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0626/Sections/0626.9743.html |
| FL | anti_steering | No general right-to-choose statute found. If the insurer requires a specific shop, it must restore the vehicle to pre-loss condition at no extra cost beyond policy terms. The insurer must give the insured a copy of the estimate used for settlement. | Fla. Stat. 626.9743(3),(7) | In force | http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0626/Sections/0626.9743.html |
| FL | claims_timing | After the parties agree on a settlement, the insurer must pay within 20 days. Shops must give a written estimate for repairs over 150 USD and cannot exceed the approved amount without customer approval. | Fla. Stat. 627.4265; 559.905 | In force | http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.4265.html |
| FL | appraiser_licensing | A public adjuster is anyone except an attorney who, for pay, prepares, files or negotiates a claim for an insured or third-party claimant. UNVERIFIED: how this applies to body shops negotiating auto estimates. | Fla. Stat. 626.854(1) | In force | http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0626/Sections/0626.854.html |
| FL | appraisal_clause | No auto-specific appraisal statute found. UNVERIFIED: 2024-2026 appraisal reforms not fully checked. | None found | Not applicable | http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0626/Sections/0626.9743.html |
| FL | recent_legislation | SB 92 / HB 807 would have required shops to ask for a crash report on repairs of 2500 USD or more and send estimates to an FDLE database if none was given. Withdrawn. HB 1185 (2025) is unrelated to auto claims. No 2025-2026 OEM or labor rate law found. | SB 92 / HB 807 (2025) | Withdrawn 2025-05-03 | https://www.repairerdrivennews.com/2025/05/20/florida-bill-withdrawn-that-would-have-required-repair-shops-to-obtain-crash-reports/ |
| GA | aftermarket_parts | An insurer can base an estimate on non-OEM crash parts only if they restore pre-accident quality, safety, function and appearance. The estimate must identify each part with a 10-point disclosure. The insurer cannot make non-OEM authorization a condition of settlement. | Ga. Comp. R. & Regs. 120-2-52-.05 | Effective 1994-04-18 | https://www.law.cornell.edu/regulations/georgia/Ga-Comp-R-Regs-R-120-2-52-.05 |
| GA | anti_steering | An insurer cannot say that shop choice can cause nonpayment. It cannot require a particular shop if the claimant can get the same repair at the same cost elsewhere. Courts found no private right of action. | O.C.G.A. 33-34-6 | In force | https://codes.findlaw.com/ga/title-33-insurance/ga-code-sect-33-34-6/ |
| GA | claims_timing | Insurers must adjust motor vehicle property damage claims fairly and promptly. After a certified-mail demand, the insurer has 60 days. Bad-faith penalty: 50% of liability or 5000 USD, whichever is more, plus attorney fees. | O.C.G.A. 33-4-7 | In force | https://codes.findlaw.com/ga/title-33-insurance/ga-code-sect-33-4-7/ |
| GA | appraiser_licensing | An adjuster license is needed to adjust claims for pay. The public adjuster definition excludes motor vehicle accident claims, so public adjusters cannot represent owners on auto claims. UNVERIFIED: whether shops can negotiate for the owner. | O.C.G.A. 33-23-1(a) | In force | https://codes.findlaw.com/ga/title-33-insurance/ga-code-sect-33-23-1/ |
| GA | oem_procedures | HB 1117 would require repairs to follow OEM procedures including scans, calibrations and sublet. Denials need a written itemized reason. Supplement timeline: appraiser within 1 business day, review in 3, decision in 10. Adds shop choice, insurer financial-interest disclosure and treble damages. | HB 1117 (2026) | Filed 2026-02-02; no record of passage found; final status UNVERIFIED | https://www.repairerdrivennews.com/2026/02/04/georgia-bill-seeks-to-stop-steering-require-oem-procedures-and-supplemental-estimate-timelines/ |
| GA | recent_legislation | HB 1420: second 2026 OEM-procedures bill. Insurer could deny a documented OEM procedure only with a written itemized reason within 3 business days. UNVERIFIED: full text and status. | HB 1420 (2026) | Status UNVERIFIED | https://www.legis.ga.gov/api/legislation/document/20252026/243451 |
| GA | labor_rate_rule | No statute found. | None found | Not applicable | https://codes.findlaw.com/ga/title-33-insurance/ga-code-sect-33-34-6/ |
| AZ | aftermarket_parts | An insurer cannot settle with a non-OEM aftermarket crash part unless the estimate identifies each part and gives written notice in 10-point type or larger. | A.R.S. 20-461(A)(16) | In force | https://www.azleg.gov/ars/20/00461.htm |
| AZ | anti_steering | An insurer cannot require unreasonable travel for an estimate or repair at a particular shop. It can suggest convenient shops. If it chooses the shop, it must restore pre-loss condition at no extra cost within a reasonable time. | A.A.C. R20-6-801(H)(3),(5),(7) | In force | https://www.law.cornell.edu/regulations/arizona/Ariz-Admin-Code-SS-R20-6-801 |
| AZ | anti_steering | Glass claims: the owner can choose any glass shop unless a contract says otherwise. An insurer that recommends a shop must tell the owner about this right. No private right of action. | A.R.S. 20-469 | In force | https://www.azleg.gov/ars/20/00469.htm |
| AZ | claims_timing | Acknowledge in 10 working days. Finish investigation in 30 days if reasonable. Accept or deny first-party claim in 15 working days after proof of loss. A cash offer for partial loss cannot be less than the repair amount unless the insured agrees. | A.A.C. R20-6-801(E),(F),(G),(H)(8) | In force | https://www.law.cornell.edu/regulations/arizona/Ariz-Admin-Code-SS-R20-6-801 |
| AZ | appraiser_licensing | The adjuster definition covers anyone paid to adjust claims for the insurer or the insured. Estimators hired by a licensed adjuster only for technical help are excluded. UNVERIFIED: application to shops that negotiate for owners. | A.R.S. 20-321 | In force | https://www.azleg.gov/ars/20/00321.htm |
| AZ | oem_procedures | No statute found. No 2024-2026 bill verified. Search incomplete. | None found | Not applicable | https://www.law.cornell.edu/regulations/arizona/Ariz-Admin-Code-SS-R20-6-801 |
| AZ | labor_rate_rule | No statute found. The estimate must be an amount that pays for a satisfactory repair. | A.A.C. R20-6-801(H)(5) | In force | https://www.law.cornell.edu/regulations/arizona/Ariz-Admin-Code-SS-R20-6-801 |
| CO | labor_rate_rule | The insurer must pay repair costs at no less than the prevailing competitive price in the area, set by competitive bids, a generally accepted insurer method or market surveys. The insurer must give the claimant a copy of the estimate. Shops and claimants can complain to the commissioner. | C.R.S. 10-4-120(3),(5) | In force (code current 2025-01-01) | https://codes.findlaw.com/co/title-10-insurance/co-rev-st-sect-10-4-120/ |
| CO | anti_steering | Insurers cannot steer claimants to particular repair businesses, use referral fees or incentives, or misinform claimants. The insurer must tell claimants they can choose any repair business. | C.R.S. 10-4-120(2),(3) | In force | https://codes.findlaw.com/co/title-10-insurance/co-rev-st-sect-10-4-120/ |
| CO | aftermarket_parts | An insurer cannot specify non-OEM crash parts without telling the insured. The estimate must identify each part with a 10-point disclosure that the part maker warrants it. | C.R.S. 10-3-1305 | In force | https://codes.findlaw.com/co/title-10-insurance/co-rev-st-sect-10-3-1305/ |
| CO | oem_procedures | No statute found. In 2018 the Division of Insurance said no Title 10 law requires insurers to follow manufacturer repair guidelines. No 2024-2026 bill verified. Search incomplete. | None found | DOI statement 2018-05-23 | https://www.repairerdrivennews.com/?p=26607 |
| CO | claims_timing | An insurer cannot delay or deny first-party benefits without a reasonable basis. The claimant can recover 2 times the covered benefit plus attorney fees and costs. | C.R.S. 10-3-1115, 10-3-1116 | In force | https://codes.findlaw.com/co/title-10-insurance/co-rev-st-sect-10-3-1116/ |
| CO | appraiser_licensing | Public adjusters need a license and cannot take part in the repair, refer to a shop they have an interest in, or control the choice of repairer. UNVERIFIED: whether a shop can negotiate for the owner. | C.R.S. 10-2-417 | In force | https://codes.findlaw.com/co/title-10-insurance/co-rev-st-sect-10-2-417/ |
| CO | appraisal_clause | No auto-specific appraisal statute found. Search incomplete. | None found | Not applicable | https://codes.findlaw.com/co/title-10-insurance/co-rev-st-sect-10-4-120/ |
| WA | labor_rate_rule | WAC 284-30-391 covers only total-loss settlement; it is not a prevailing-rate rule. Until 2026-10-17, denial of a claimant estimate based solely on the shop hourly rate is arbitrary if the rate does not raise the overall repair cost. R 2025-05 removes this clause. | WAC 284-30-390(2)(a); WAC 284-30-391 | Hourly-rate clause in force until 2026-10-17; removed effective 2026-10-18 (WSR 26-17-089) | https://app.leg.wa.gov/WAC/default.aspx?cite=284-30-390 |
| WA | labor_rate_rule | An insurer that uses a database, estimating software or benchmarks to set labor rates or material prices must disclose on request the data date, source and the businesses that supplied it. A reasonable investigation may not rely solely on a database. | WAC 284-30-380(8); WAC 284-30-330(4) | Effective 2026-10-18 (WSR 26-17-089) | https://app.leg.wa.gov/WAC/default.aspx?cite=284-30-380 |
| WA | claims_timing | Investigation within 30 calendar days after notice of claim, with written status every 30 days if more time is needed. Accept or deny within 30 calendar days after notice of claim. Old rule was 15 working days after proof of loss. | WAC 284-30-370; WAC 284-30-380(1) | Effective 2026-10-18 | https://app.leg.wa.gov/WAC/default.aspx?cite=284-30-370 |
| WA | recent_legislation | New auto PD rule (verified on WAC page): insurers cannot require photo-only evaluation as a condition of coverage. In-person inspection within 5 business days after a disputed virtual inspection. Written answer to supplements and final invoices within 5 business days, sent to claimant and repair facility. | WAC 284-30-390(1)(a)-(b) (R 2025-05) | Filed 2026-08-18; effective 2026-10-18 | https://app.leg.wa.gov/WAC/default.aspx?cite=284-30-390 |
| WA | appraisal_clause | Auto policies with first-party physical damage coverage must include an appraisal provision for ACV and amount-of-loss disputes. The Commissioner registers umpires. A new WAC item bars requiring an appraiser to adjust ACV. | SB 5721 (Ch. 394 Laws 2025); WAC 284-30-330(22) | Signed 2025-05-20; effective 2025-07-27; policies issued or renewed on or after 2026-01-01 | https://app.leg.wa.gov/billsummary?BillNumber=5721&Year=2025 |
| WA | anti_steering | No anti-steering statute found. The insurer may not require unreasonable travel to a specific facility, or recommend that the claimant use own collision coverage to avoid paying under liability. | WAC 284-30-390(3) and (9) | In force; re-adopted 2026-10-18 | https://app.leg.wa.gov/WAC/default.aspx?cite=284-30-390 |
| WA | aftermarket_parts | No aftermarket-parts statute or WAC found. Betterment deductions are limited to parts normally replaced during the vehicle's useful life. | WAC 284-30-390(7) | In force | https://app.leg.wa.gov/WAC/default.aspx?cite=284-30-390 |
| WA | oem_procedures | No statute found. HB 2782 (2020) would have required insurers to cover OEM procedures. It stalled in House Rules. | HB 2782 (2020) | Not enacted | https://app.leg.wa.gov/billsummary?BillNumber=2782&Year=2020 |
| WA | appraiser_licensing | No separate vehicle damage appraiser license found. Adjusters are licensed under RCW 48.17. An appraiser or umpire under a policy appraisal clause is not an adjuster. | RCW 48.17.010(1) | In force | https://app.leg.wa.gov/RCW/default.aspx?cite=48.17.010 |
| WA | recent_legislation | ESSB 6031 (repair billing fraud and appraisal manipulation as insurance fraud) passed the Senate 49-0 and then died. SB 5331 also died. | ESSB 6031; SB 5331 (2026) | Returned to Senate Rules 2026-03-12; not enacted | https://app.leg.wa.gov/billsummary?BillNumber=6031&Year=2026 |
| OR | anti_steering | An insurer may not require a particular repairer as a condition of recovery. The adjuster must tell the insured of this right before recommending a shop. If the insured uses another shop, the insurer may not limit costs needed to restore pre-loss safety, function and appearance. Written DRP statement within 3 business days. | ORS 746.280 | In force (last amended 2007) | https://oregon.public.law/statutes/ors_746.280 |
| OR | aftermarket_parts | Without owner consent, an insurer may not require installation of an aftermarket crash part unless an independent test facility certifies it as at least equivalent in fit, finish, function and corrosion resistance. | ORS 746.287 | In force (1987) | https://oregon.public.law/statutes/ors_746.287 |
| OR | aftermarket_parts | A shop estimate with non-OEM crash parts must disclose that the part can invalidate OEM warranties and give a copy of the part warranty. No install without consent or certification. Reinspection must be allowed. | ORS 746.292 | In force (1987) | https://oregon.public.law/statutes/ors_746.292 |
| OR | appraisal_clause | If an auto policy has an appraisal provision, it governs physical damage disputes. The appraiser must hold a vehicle appraiser certificate. If the policy makes the insurer pay appraisal costs and the award exceeds its last offer, the insurer reimburses the insured's reasonable costs. | ORS 742.466 | In force (last amended 2011) | https://oregon.public.law/statutes/ors_742.466 |
| OR | appraiser_licensing | Adjusters need a license. A free estimate for repairs the same person will do is exempt. A 2019 informal DFR letter said a shop can need an adjuster license if it negotiates the amount with the insurer. | ORS 744.505; ORS 744.515(2)(j); DFR letter 2019 | Statute in force; letter informal and not binding | https://www.repairerdrivennews.com/2019/06/06/ore-doi-shop-dealing-with-insurer-for-consumer-could-require-adjuster-license/ |
| OR | claims_timing | Accept or deny a first-party claim within 30 days after proof of loss. If more time is needed, notify by day 30 and then every 45 days. No payment deadline in this rule. | OAR 836-080-0235 | In force | https://oregon.public.law/rules/oar_836-080-0235 |
| OR | labor_rate_rule | No labor-rate or prevailing-rate statute or rule found in ORS 746 or OAR 836-080. UNVERIFIED for 2025-2026 bills. | None found | No rule found | https://oregon.public.law/statutes/ors_746.280 |
| OR | oem_procedures | No statute requiring insurers to pay for OEM procedures found. SB 256 (2023) bans counterfeit airbags only. UNVERIFIED for 2025-2026 bills. | SB 256 (2023) | Passed 2023 | https://www.autobodynews.com/news/states-enact-legislation-related-to-oem-procedures-labor-rate-studies |
| OR | recent_legislation | Proposed DFR bulletin on virtual claims: insurer must send an in-person adjuster on request. A third party that only takes photos is not an adjuster. Initial offers far below repair cost are an unfair practice under ORS 746.230. Would replace Bulletin 2020-4. | Proposed Bulletin DFR 2026-X | Proposed (May 2026 placeholder); final status UNVERIFIED | https://dfr.oregon.gov/laws-rules/Documents/Bulletins/proposed/virtual-claim-adjustment-systems.pdf |
| NC | anti_steering | The claimant selects the repair shop and the insurer pays the same amount either way. An insurer that recommends a shop must make 4 disclosures, including any financial interest. It may not require an insurer-owned shop. Max penalty 2000 USD. | G.S. 58-3-180 | In force; NCDOI memo 2024-11-20 (posted 2025-02-03) | https://ncdoi.gov/documents/consumer/re-ncgs-58-3-180-recommending-use-particular-repair-service-or-source-steering |
| NC | aftermarket_parts | The insurer must disclose in writing, on the estimate or attached in 10-point type minimum, that the estimate uses non-OEM parts. A shop may not invoice an OEM part after it installs a non-OEM part. | G.S. 58-36-95 | In force | https://codes.findlaw.com/nc/chapter-58-insurance/nc-gen-st-sect-58-36-95/ |
| NC | appraiser_licensing | A motor vehicle damage appraiser license is required. Renewal each April 1. Licensed adjusters and repair-business employees who appraise as part of their usual repair work are excluded. | G.S. 58-33-26(a); G.S. 58-33-10(14) | In force | https://codes.findlaw.com/nc/chapter-58-insurance/nc-gen-st-sect-58-33-10/ |
| NC | claims_timing | Physical or digital inspection within 10 business days of the claim. The insurer may not refuse a physical inspection on request. If it requires more than 2 estimates, it pays for the extra ones. Payment within 10 business days after settlement. | 11 NCAC 04 .0419; 11 NCAC 04 .0421 | Readopted effective 2020-10-01 | https://www.ncdoi.gov/documents/consumer/administrative-rules-changes-claims-handling-2020/open |
| NC | total_loss | Damage of 75% or more of pre-accident ACV makes the vehicle a total loss. No insurer, appraiser or other person may agree to limit original or supplemental claims to keep the repair cost below 75%. | 11 NCAC 04 .0418(c) and (j) | Readopted effective 2020-10-01 | https://www.ncdoi.gov/documents/consumer/administrative-rules-changes-claims-handling-2020/open |
| NC | labor_rate_rule | No labor-rate statute or rule found. ncleg.gov blocked access. UNVERIFIED. | None found | No rule found | https://www.ncdoi.gov/document-terms/auto |
| NC | oem_procedures | No statute requiring payment for OEM procedures found. UNVERIFIED. | None found | No rule found | https://collisionweek.com/tag/north-carolina/ |
| NC | recent_legislation | No 2024-2026 enacted change found. UNVERIFIED. April 2026: SCRS chair says he sent the NC Commissioner about 40 examples of State Farm removing 2000-3000 USD from appraiser estimates. Shop-side rule: notify customer if charges exceed the written estimate by more than 10%. | G.S. 20-354.5; industry complaint 2026-04-21 | In force; complaint status unknown | https://www.repairerdrivennews.com/2026/05/01/state-farm-claims-practices-cited-as-ongoing-issue-by-collision-industry/ |
| IL | aftermarket_parts | An insurer may not specify, and a shop may not install, non-OEM aftermarket crash parts unless the customer is told in writing. The estimate must identify each part with a disclosure that warranties come from the part maker. No consent required. | 215 ILCS 5/155.29 | In force | https://codes.findlaw.com/il/chapter-215-insurance/il-st-sect-215-5-155-29/ |
| IL | aftermarket_parts | No insurer may require replacement crash parts unless at least equal in like kind and quality to the original in fit, quality and performance. Betterment deductions only under set conditions. | 50 Ill. Adm. Code 919.80(d)(5)(C) and (d)(4) | Amended effective 2002-07-22 | https://www.law.cornell.edu/regulations/illinois/Ill-Admin-Code-tit-50-SS-919.80 |
| IL | labor_rate_rule | No labor-rate statute found. The insurer estimate must be reasonable and allow workmanlike repair. The insured can get a copy of the estimate on request. | 50 Ill. Adm. Code 919.80(d)(6) | In force | https://www.law.cornell.edu/regulations/illinois/Ill-Admin-Code-tit-50-SS-919.80 |
| IL | anti_steering | No unreasonable travel for an estimate or repair at an insurer-recommended shop. Choice-of-shop statute not confirmed (ilga.gov unreachable). UNVERIFIED. | 50 Ill. Adm. Code 919.80(d)(1)(B) | In force | https://www.law.cornell.edu/regulations/illinois/Ill-Admin-Code-tit-50-SS-919.80 |
| IL | claims_timing | Delay is unreasonable if the median collision payment period exceeds 40 calendar days. Open first-party PD claims older than 40 days need a written explanation. PD liability uses 60 days. Total-loss information due within 7 days of the decision. | 50 Ill. Adm. Code 919.80(b)-(c) | In force | https://www.law.cornell.edu/regulations/illinois/Ill-Admin-Code-tit-50-SS-919.80 |
| IL | appraisal_clause | New statutory right to appraisal for amount-of-loss disputes on auto physical damage claims. Adds Section 398 to the Insurance Code. Cost and umpire details not reviewed (paywall). | HB 4160; Public Act 104-0767; 215 ILCS 5/398 | Signed 2026-08-07; effective 2027-07-01 | https://collisionweek.com/2026/08/17/illinois-governor-signs-auto-insurance-right-appraisal-law/ |
| IL | oem_procedures | No enacted statute found. HB 4719 (2022) would have barred insurers from requiring repair specs below OEM including ADAS calibration. Not enacted (UNVERIFIED). | HB 4719 (102nd GA) | Not enacted (UNVERIFIED) | https://ilga.gov/legislation/102/HB/10200HB4719.htm |
| IL | recent_legislation | HB 4373 would require glass shops to disclose ADAS status and document calibration results. Passed House 110-0 in April 2026. Senate outcome UNVERIFIED. | HB 4373 (104th GA) | Passed House 2026-04; final status UNVERIFIED | https://collisionweek.com/2026/04/16/illinois-house-unanimously-passes-auto-glass-adas-calibration-bill/ |
| IL | appraiser_licensing | Vehicle damage appraiser license not confirmed (ilga.gov unreachable). UNVERIFIED. | None verified | Unknown | https://lrb.ilga.gov/legislation/ilcs/documents/021500050K155.29.htm |
| OH | aftermarket_parts | Insurer, shop or installer must identify each non-OEM aftermarket crash part in the estimate with a 10-point notice. The customer must sign the written estimate. Like-kind-and-quality salvage parts from a licensed dealer are allowed. Violation is a deceptive act under the CSPA. | ORC 1345.81 | In force | https://codes.findlaw.com/oh/title-xiii-commercial-transactions/oh-rev-code-sect-1345-81/ |
| OH | aftermarket_parts | The estimate must show parts use per ORC 1345.81 and name the licensed salvage dealer for like-kind-and-quality parts. Betterment needs a measurable drop in value and must be itemized. | OAC 3901-1-54(H)(2)-(4) | Effective 2022-02-14 | https://www.law.cornell.edu/regulations/ohio/Ohio-Admin-Code-3901-1-54 |
| OH | labor_rate_rule | No labor-rate rule found. If the claimant shows repairs cost more than the insurer estimate, the insurer must pay the difference or name at least one shop that will repair for the estimate amount. | OAC 3901-1-54(H)(1) | Effective 2022-02-14 | https://www.law.cornell.edu/regulations/ohio/Ohio-Admin-Code-3901-1-54 |
| OH | claims_timing | Acknowledge within 15 days. Accept or deny within 21 days of proof of loss. Pay within 10 days after acceptance if the amount is not in dispute. | OAC 3901-1-54(F)(2); (G)(1); (G)(6) | Effective 2022-02-14 | https://www.law.cornell.edu/regulations/ohio/Ohio-Admin-Code-3901-1-54 |
| OH | anti_steering | No recommend or steer language. No unreasonable travel to a particular shop. An insurer that elects to repair at its designated shop must restore pre-loss condition. No anti-steering statute confirmed. UNVERIFIED. | OAC 3901-1-54(H)(5) and (H)(8) | Effective 2022-02-14 | https://www.law.cornell.edu/regulations/ohio/Ohio-Admin-Code-3901-1-54 |
| OH | appraisal_clause | No appraisal provision in OAC 3901-1-54 and no auto appraisal statute verified. April 2026: SCRS chair said State Farm removed the appraisal clause from policies where not required, and an Ohio shop owner said Ohio is one such state. UNVERIFIED against SERFF policy forms. | None found in OAC 3901-1-54 | No rule found; industry claim 2026-04-21 | https://www.repairerdrivennews.com/2026/05/01/state-farm-claims-practices-cited-as-ongoing-issue-by-collision-industry/ |
| OH | recent_legislation | HB 636 would amend ORC 1345.81 to add aftermarket disclosure and consumer choice and require insurers to offer OEM-parts coverage. Only the introduced version seen. Status UNVERIFIED. | HB 636 (136th GA) | Introduced (Dec 2025 per secondary source); later status UNVERIFIED | https://search-prod.lis.state.oh.us/api/v2/general_assembly_136/legislation/hb636/00_IN/html/ |
| OH | oem_procedures | No statute or rule requiring payment for OEM procedures found. UNVERIFIED. | None found | No rule found | https://www.law.cornell.edu/regulations/ohio/Ohio-Admin-Code-3901-1-54 |
| OH | appraiser_licensing | No vehicle damage appraiser license verified. UNVERIFIED. | None verified | Unknown | https://www.law.cornell.edu/regulations/ohio/Ohio-Admin-Code-3901-1-54 |
| MI | aftermarket_parts | A shop may use non-OEM aftermarket crash parts only if the insured gets a written estimate that identifies each part with a 10-point bold disclosure about the non-manufacturer source and warranty. | MCL 257.1363 (1991 PA 158) | In force | https://codes.findlaw.com/mi/chapter-257-motor-vehicles/mi-comp-laws-257-1363/ |
| MI | claims_timing | The insurer must specify required proof of loss in writing within 30 days. A claim is timely if paid within 60 days after proof of loss. Late benefits bear 12% simple interest. | MCL 500.2006 | In force | https://codes.findlaw.com/mi/chapter-500-insurance-code-of-1956/mi-comp-laws-500-2006/ |
| MI | labor_rate_rule | No labor-rate statute found. The unfair claims practices law requires reasonable standards for prompt investigation and bars lowball offers that force suits. | MCL 500.2026(1)(c) and (g) | In force | https://codes.findlaw.com/mi/chapter-500-insurance-code-of-1956/mi-comp-laws-500-2026/ |
| MI | anti_steering | No anti-steering statute found in the sections checked. The new Michigan Auto Body Association lists anti-steering as a priority. UNVERIFIED that no law exists. | None found | No rule found | https://collisionweek.com/2026/09/22/michigan-auto-body-association-launches-affiliates-scrs/ |
| MI | oem_procedures | No statute requiring insurers to pay for OEM procedures found. MABA lists OEM procedure reimbursement as an early priority. | None found | No rule found; advocacy started 2026-09-21 | https://collisionweek.com/2026/09/22/michigan-auto-body-association-launches-affiliates-scrs/ |
| MI | recent_legislation | No 2024-2026 enacted collision-estimate law found. New state shop association formed Sept 2026 to lobby. UNVERIFIED for pending bills. | None found | No enacted change found | https://collisionweek.com/tag/michigan/ |
| MI | appraisal_clause | No auto appraisal statute verified. UNVERIFIED. | None verified | Unknown | https://codes.findlaw.com/mi/chapter-500-insurance-code-of-1956/mi-comp-laws-500-2026/ |
| MI | appraiser_licensing | No vehicle damage appraiser license verified. UNVERIFIED. | None verified | Unknown | https://codes.findlaw.com/mi/chapter-500-insurance-code-of-1956/mi-comp-laws-500-2026/ |

## 4. How Revv uses this

- **Insurer rule packs.** Build a pack for Progressive (48 h supplement, written consent for parts swaps, Mitchell export) and for State Farm (supplement form limits, photo checklist, CAPA/NSF parts, ADAS MAP cap). Other carriers: learn from outcomes, because their rules are not public.
- **Supplement packet generator.** Use the State Farm photo list as the default. It is the only insurer photo standard that is public.
- **Calibrations on the first estimate.** CCC says 51.5% of calibrations arrive on a supplement. Revv can move them to the first estimate with OEM documents. This shortens cycle time, which DRP scorecards measure.
- **State escalation ladder.** Add the 12 new states. The strongest levers: WA 5-day supplement answer and photo-only ban, NC 10-day inspection and shop choice, CA 10-day payment and labor-rate survey rules, TX and WA mandatory appraisal.
- **Do not claim** that any of the 12 states forces insurers to pay for OEM procedures. None does.
- **Labor rates.** Track paid rates by insurer and market. In WA (from 2026-10-18) and CO (prevailing competitive price), a shop can ask the insurer for the basis of the rate.