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<ns0:Description>
<ns0:Id>20250SB__098899INT</ns0:Id>
<ns0:VersionNum>99</ns0:VersionNum>
<ns0:History>
<ns0:Action>
<ns0:ActionText>INTRODUCED</ns0:ActionText>
<ns0:ActionDate>2026-02-05</ns0:ActionDate>
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<ns0:SessionYear>2025</ns0:SessionYear>
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<ns0:MeasureNum>988</ns0:MeasureNum>
<ns0:MeasureState>INT</ns0:MeasureState>
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<ns0:AuthorText authorType="LEAD_AUTHOR">Introduced by Senator Grayson</ns0:AuthorText>
<ns0:Authors>
<ns0:Legislator>
<ns0:Contribution>LEAD_AUTHOR</ns0:Contribution>
<ns0:House>SENATE</ns0:House>
<ns0:Name>Grayson</ns0:Name>
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<ns0:Title> An act to add Chapter 10.3 (commencing with Section 1866) to Part 2 of Division 1 of the Insurance Code, relating to insurance.</ns0:Title>
<ns0:RelatingClause>insurance</ns0:RelatingClause>
<ns0:GeneralSubject>
<ns0:Subject>California Motor Vehicle Glass Act.</ns0:Subject>
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<ns0:DigestText>
<html:p>Existing law generally regulates classes of insurance, including automobile insurance. Existing law requires an insurer that issues a policy providing automobile collision coverage, or automobile physical damage coverage, to pay to the repairer or to the named insured and the repairer, jointly, for repairs in a specified manner if a covered automobile is damaged by collision or otherwise and the insurer knows that the automobile will be repaired. Existing law prohibits an insurer from withholding the payment of reasonable repair cost benefits that are otherwise payable under the policy if the insured decides not to have the vehicle repaired. Existing law states that these provisions do not prohibit an insurer from restricting payment in cases of suspected fraud or from including a named loss payee or lienholder as an additional payee on the claims payment check or draft, as described.
Existing law states that these provisions do not prohibit an insurer from requiring that a damaged vehicle be repaired as a condition for payment if the damage to the vehicle is sufficiently serious that safety features that are part of the vehicle’s operating systems are compromised.</html:p>
<html:p>This bill, the California Motor Vehicle Glass Act, would prohibit an insured under a motor vehicle insurance policy that covers windshield and calibration repair or replacement from, either before or after a claimed or covered loss, assigning, delegating or otherwise transferring, in whole or in part, to any other person the insured’s duties under the policy or rights or benefits under the policy, and would make a contract entered into under these circumstances void and unenforceable. The bill would require a motor vehicle glass repair shop (repair shop), before providing service to an insured for a repair or replacement of damaged motor vehicle glass, to notify the insured, among
other things, whether the motor vehicle has an advanced driver assistance system, and if it does, whether calibration or recalibration of the motor vehicle’s advanced driver assistance system is needed after a windshield repair or replacement as recommended by the vehicle manufacturer. The bill would require the repair shop to provide written notice to the insured whether the calibration or recalibration was successful or not successful, as specified, and would require the repair shop to provide an itemized invoice and receipt upon completion of a repair or replacement of damaged motor vehicle glass.</html:p>
<html:p>This bill would prohibit a repair shop from contracting with a person for repair or replacement of damaged motor vehicle glass that would be paid by a first-party insurance policy until specified conditions are met, including, among others, that the person has made a first-party claim for the repair or replacement of damaged motor vehicle glass under a motor vehicle
insurance policy and that the repair shop has received a claim or referral number for the claim. The bill would require a repair shop to, among other things, provide the insured a good faith estimate of the fees and costs that are anticipated to be charged to the insured by the repair shop for the repair or replacement of damaged motor vehicle glass.</html:p>
<html:p>This bill would prohibit a repair shop, or any other person who is compensated for the solicitation of insurance claims, from offering a rebate, gift, gift card, cash, coupon, fee, prize, bonus, payment, incentive, inducement, or any other thing of value to any insured, insurance producer, or other person in exchange for directing or making a claim under a motor vehicle insurance policy for a repair or replacement of damaged motor vehicle glass. The bill would also prohibit a repair shop from, among other things, submitting false, misleading, or incomplete documentation or information to an insured or an insured’s
insurer, including any agent of the insured or insurer, for a repair or replacement of damaged motor vehicle glass or state that a repair or replacement of damaged motor vehicle glass will be paid for entirely by an insurer and at no cost to the insured unless the coverage has been verified by the insurer or the insurer’s agent.</html:p>
<html:p>This bill would state that these provisions do not prohibit an insurer, insurance producer, insurance adjuster, or any person acting on behalf of an insurer, insurance producer, or insurance adjuster from recommending a repair shop or providing an explanation to an insured of the coverage available, and any applicable liability limit, under any insurance policy.</html:p>
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<ns0:VoteRequired>MAJORITY</ns0:VoteRequired>
<ns0:Appropriation>NO</ns0:Appropriation>
<ns0:FiscalCommittee>YES</ns0:FiscalCommittee>
<ns0:LocalProgram>NO</ns0:LocalProgram>
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<ns0:Election>NO</ns0:Election>
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<ns0:Preamble>The people of the State of California do enact as follows:</ns0:Preamble>
<ns0:BillSection id="id_FCBE91C1-7DD0-4B06-A4A8-5F5D48F4BA10">
<ns0:Num>SECTION 1.</ns0:Num>
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Chapter 10.3 (commencing with Section 1866) is added to Part 2 of Division 1 of the
<ns0:DocName>Insurance Code</ns0:DocName>
, to read:
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<ns0:LawHeading id="id_EAF5DD6A-D8AA-4286-85D3-7F6D4A6B7E38" type="CHAPTER">
<ns0:Num>10.3.</ns0:Num>
<ns0:LawHeadingVersion id="id_1AA51643-6242-467B-872F-91EB018046AF">
<ns0:LawHeadingText>California Motor Vehicle Glass Act</ns0:LawHeadingText>
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<ns0:LawSection id="id_9F00FC76-3D1C-4C93-8B1D-884DEF1A84B5">
<ns0:Num>1866.</ns0:Num>
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<ns0:Content>
<html:p>This act shall be known, and may be cited, as the California Motor Vehicle Glass Act.</html:p>
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<ns0:LawSection id="id_D23FD0EF-94E3-4C7E-9C6E-5F35556949C2">
<ns0:Num>1866.1.</ns0:Num>
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<ns0:Content>
<html:p>As used in this chapter, all of the following terms have the following meanings:</html:p>
<html:p>
(a)
<html:span class="EnSpace"/>
“Advanced driver assistance system” means any motor vehicle electronic safety system, as outlined in the most recent version of SAE International’s Standard J3016 Levels of Driving Automation, that is designed to support the driver and motor vehicle in a manner intended to increase motor vehicle safety and reduce losses associated with motor vehicle crashes.
</html:p>
<html:p>
(b)
<html:span class="EnSpace"/>
“Insurance producer” means an individual or business entity required to be licensed within the state to sell, solicit, or negotiate insurance or annuity contracts. “Insurance producer” includes an agent, managing general agent, surplus lines broker,
reinsurance intermediary broker and manager, rental vehicle agent and rental vehicle agent managing employee, and consultant.
</html:p>
<html:p>
(c)
<html:span class="EnSpace"/>
“Insured” means a person that is entitled, or may be entitled, to receive first-party benefits or payments under an insurance policy.
</html:p>
<html:p>
(d)
<html:span class="EnSpace"/>
“Motor vehicle glass” means the glass and nonglass parts associated with the replacement of the glass used in the windshield, doors, or windows of a motor vehicle.
</html:p>
<html:p>
(e)
<html:span class="EnSpace"/>
“Motor vehicle glass repair shop” means a person, including the person’s employees and agents, that for consideration engages in the repair or replacement of damaged motor vehicle glass.
</html:p>
<html:p>
(f)
<html:span class="EnSpace"/>
“Notice” means direct written communications including verifiable text, email, or application-based messaging that is easily accessible
by the consumer.
</html:p>
<html:p>
(g)
<html:span class="EnSpace"/>
“Person” means any individual, corporation, limited liability company, partnership, association, or other group authorized to conduct business in the state.
</html:p>
<html:p>
(h)
<html:span class="EnSpace"/>
“Repair or replacement of damaged motor vehicle glass” includes both of the following:
</html:p>
<html:p>
(1)
<html:span class="EnSpace"/>
Inspecting, repairing, restoring, or replacing damaged motor vehicle glass.
</html:p>
<html:p>
(2)
<html:span class="EnSpace"/>
Calibrating or recalibrating an advanced driver assistance system when an incident requires the replacement of damaged motor vehicle glass.
</html:p>
<html:p>
(i)
<html:span class="EnSpace"/>
“Rights or benefits under the policy” includes the insured’s right to receive any and all post-loss benefits or payments available or payable under the policy, including, but not limited to, claim
payments.
</html:p>
</ns0:Content>
</ns0:LawSectionVersion>
</ns0:LawSection>
<ns0:LawSection id="id_580D4685-3880-4FDA-A5D1-0E79512F0637">
<ns0:Num>1866.2.</ns0:Num>
<ns0:LawSectionVersion id="id_F1FA18D7-8C6B-40E2-BBC8-22196DDD37E9">
<ns0:Content>
<html:p>
(a)
<html:span class="EnSpace"/>
An insured under a motor vehicle insurance policy that covers windshield and calibration repair or replacement shall not, either before or after a claimed or covered loss, assign, delegate or otherwise transfer, in whole or in part, to any other person the insured’s duties under the policy or rights or benefits under the policy.
</html:p>
<html:p>
(b)
<html:span class="EnSpace"/>
A contract entered in violation of this section shall be void and unenforceable.
</html:p>
<html:p>
(c)
<html:span class="EnSpace"/>
This section shall not be construed to prohibit an insured from authorizing or directing payment to, or paying, a person for services, materials, or any other thing that may be, or is, covered under an insurance policy.
</html:p>
</ns0:Content>
</ns0:LawSectionVersion>
</ns0:LawSection>
<ns0:LawSection id="id_4091FD07-5DCF-46A2-990A-71611F9BA2AE">
<ns0:Num>1866.3.</ns0:Num>
<ns0:LawSectionVersion id="id_D1C05AF3-EAE4-4E8B-923C-6D7BFAFD5CE5">
<ns0:Content>
<html:p>
(a)
<html:span class="EnSpace"/>
Before providing service to an insured for a repair or replacement of damaged motor vehicle glass, a motor vehicle glass repair shop shall notify the insured of all of the following:
</html:p>
<html:p>
(1)
<html:span class="EnSpace"/>
Whether the motor vehicle has an advanced driver assistance system.
</html:p>
<html:p>
(2)
<html:span class="EnSpace"/>
If the motor vehicle has an advanced driver assistance system:
</html:p>
<html:p>
(A)
<html:span class="EnSpace"/>
Whether calibration or recalibration of the motor vehicle’s advanced driver assistance system is needed after a windshield repair or replacement as recommended by the vehicle manufacturer.
</html:p>
<html:p>
(B)
<html:span class="EnSpace"/>
Whether the motor vehicle glass
repair shop intends to calibrate or recalibrate the advanced driver assistance system in a manner that meets the motor vehicle manufacturer’s specifications.
</html:p>
<html:p>
(C)
<html:span class="EnSpace"/>
If the motor vehicle glass repair shop cannot perform or does not intend to perform a calibration or recalibration, that the motor vehicle should be taken to the vehicle manufacturer’s certified dealership or a qualified specialist capable of performing the calibration or recalibration.
</html:p>
<html:p>
(b)
<html:span class="EnSpace"/>
If calibration or recalibration of the motor vehicle’s advanced driver assistance system is performed, the motor vehicle glass repair shop shall provide written notice to the insured for both of the following:
</html:p>
<html:p>
(1)
<html:span class="EnSpace"/>
Whether the calibration or recalibration was successful.
</html:p>
<html:p>
(2)
<html:span class="EnSpace"/>
If the calibration or
recalibration was not successful, the motor vehicle should be taken to the vehicle manufacturer’s certified dealership or a qualified specialist capable of performing the calibration or recalibration.
</html:p>
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</ns0:LawSection>
<ns0:LawSection id="id_D3EEE66B-FB74-4A75-9A5A-F9F517792C22">
<ns0:Num>1866.4.</ns0:Num>
<ns0:LawSectionVersion id="id_CE2A469D-A0CD-444B-8CDB-52FF47254A89">
<ns0:Content>
<html:p>
(a)
<html:span class="EnSpace"/>
A motor vehicle glass repair shop shall not contract with a person for repair or replacement of damaged motor vehicle glass that would be paid by a first-party insurance policy until all of the following conditions are met:
</html:p>
<html:p>
(1)
<html:span class="EnSpace"/>
The person has made a first-party claim for the repair or replacement of damaged motor vehicle glass under a motor vehicle insurance policy.
</html:p>
<html:p>
(2)
<html:span class="EnSpace"/>
The motor vehicle glass repair shop has received a claim or referral number for the claim.
</html:p>
<html:p>
(3)
<html:span class="EnSpace"/>
The requirements of paragraphs (1) and (2) of subdivision (a) of Section 1866.3 are satisfied.
</html:p>
<html:p>
(b)
<html:span class="EnSpace"/>
A motor vehicle glass repair shop shall do all of the following:
</html:p>
<html:p>
(1)
<html:span class="EnSpace"/>
Provide the insured a good faith estimate of the fees and costs that are anticipated to be charged to the insured by the motor vehicle glass repair shop for the repair or replacement of damaged motor vehicle glass.
</html:p>
<html:p>
(2)
<html:span class="EnSpace"/>
Before performing the service, provide the insured an updated estimate.
</html:p>
<html:p>
(3)
<html:span class="EnSpace"/>
Not charge more than the reasonable and customary fees and costs to an insured for a repair or replacement of damaged motor vehicle glass and any associated calibration or recalibration of the motor vehicle’s advanced driver assistance system as recommended by the vehicle manufacturer specifications.
</html:p>
<html:p>
(c)
<html:span class="EnSpace"/>
A motor vehicle glass repair shop shall provide all of the following to the
insured upon completion of a repair or replacement of damaged motor vehicle glass:
</html:p>
<html:p>
(1)
<html:span class="EnSpace"/>
An itemized invoice and, upon payment, a receipt.
</html:p>
<html:p>
(2)
<html:span class="EnSpace"/>
A notice that states whether the advanced driver assistance system was successfully or was not successfully calibrated or recalibrated.
</html:p>
<html:p>
(3)
<html:span class="EnSpace"/>
If the calibration or recalibration was not successful, the motor vehicle glass repair shop shall advise the insured not to rely on the advanced driver assistance systems until it has been successfully calibrated or recalibrated by the vehicle manufacturer’s certified dealership or a qualified specialist capable of performing the calibration or recalibration.
</html:p>
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</ns0:LawSection>
<ns0:LawSection id="id_5EDCC0FF-03CC-4780-9C3D-7D726CBE3A94">
<ns0:Num>1866.5.</ns0:Num>
<ns0:LawSectionVersion id="id_E7F793AE-B717-46B3-A5A3-87A911C8E0DC">
<ns0:Content>
<html:p>
(a)
<html:span class="EnSpace"/>
A motor vehicle glass repair shop, or any other person who is compensated for the solicitation of insurance claims, shall not offer a rebate, gift, gift card, cash, coupon, fee, prize, bonus, payment, incentive, inducement, or any other thing of value to any insured, insurance producer, or other person in exchange for directing or making a claim under a motor vehicle insurance policy for a repair or replacement of damaged motor vehicle glass.
</html:p>
<html:p>
(b)
<html:span class="EnSpace"/>
A motor vehicle glass repair shop shall not do any of the following:
</html:p>
<html:p>
(1)
<html:span class="EnSpace"/>
Charge higher fees and costs to an insured for a repair or replacement of damaged motor vehicle glass than are reasonable and customarily charged in
California.
</html:p>
<html:p>
(2)
<html:span class="EnSpace"/>
Submit false, misleading, or incomplete documentation or information to an insured or an insured’s insurer, including any agent of the insured or insurer, for a repair or replacement of damaged motor vehicle glass.
</html:p>
<html:p>
(3)
<html:span class="EnSpace"/>
With respect to an insured’s claim, or potential claim, for a repair or replacement of damaged motor vehicle glass, do either the following, which results, or would result, in a higher insurance payment or a change of insurance coverage status:
</html:p>
<html:p>
(A)
<html:span class="EnSpace"/>
Indicate that work was performed in a geographical area that was not the geographical area where the work occurred.
</html:p>
<html:p>
(B)
<html:span class="EnSpace"/>
Advise an insured to falsify the date of damage.
</html:p>
<html:p>
(4)
<html:span class="EnSpace"/>
Falsely sign a work order or other
insurance-related form relating to an insured’s claim, or potential claim, for a repair or replacement of damaged motor vehicle glass.
</html:p>
<html:p>
(5)
<html:span class="EnSpace"/>
Misrepresent to an insured or the insured’s insurer, including any agent of the insured or insurer, the price of a proposed repair or replacement of damaged motor vehicle glass.
</html:p>
<html:p>
(6)
<html:span class="EnSpace"/>
State that an insured’s insurer has approved a repair or replacement of damaged motor vehicle glass without doing both of the following:
</html:p>
<html:p>
(A)
<html:span class="EnSpace"/>
Verifying coverage directly with, or obtaining approval directly from, the insurer or the insurer’s agent.
</html:p>
<html:p>
(B)
<html:span class="EnSpace"/>
Obtaining confirmation of the coverage or approval by facsimile, email, or other written or recorded communication.
</html:p>
<html:p>
(7)
<html:span class="EnSpace"/>
State
that a repair or replacement of damaged motor vehicle glass will be paid for entirely by an insurer and at no cost to the insured unless the coverage has been verified by the insurer or the insurer’s agent.
</html:p>
<html:p>
(8)
<html:span class="EnSpace"/>
With respect to an insured’s claim, or potential claim, for a repair or replacement of damaged motor vehicle glass any of the following:
</html:p>
<html:p>
(A)
<html:span class="EnSpace"/>
Damage, or encourage an insured to damage, the motor vehicle in order to increase the scope of the repair or replacement of damaged motor vehicle glass.
</html:p>
<html:p>
(B)
<html:span class="EnSpace"/>
Perform work that is clearly and substantially beyond the level of work necessary to restore the motor vehicle to a safe predamaged condition in accordance with accepted or approved reasonable and customary techniques for the repair or replacement of damaged motor vehicle glass.
</html:p>
<html:p>
(C)
<html:span class="EnSpace"/>
Misrepresent the motor vehicle glass repair shop’s relationship to an insured or the insurer’s agent.
</html:p>
<html:p>
(D)
<html:span class="EnSpace"/>
Perform any other act that constitutes fraud or misrepresentation.
</html:p>
<html:p>
(c)
<html:span class="EnSpace"/>
A notice or invoice required under this act shall be issued in the same size font as the invoice, estimate, or receipt.
</html:p>
</ns0:Content>
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</ns0:LawSection>
<ns0:LawSection id="id_6264A1E3-E689-4C32-BA56-80D4F03A9F2B">
<ns0:Num>1866.6.</ns0:Num>
<ns0:LawSectionVersion id="id_C916D07D-3B1B-4792-8166-87AA22D93D8B">
<ns0:Content>
<html:p>
(a)
<html:span class="EnSpace"/>
An insured that makes a first-party claim for a repair or replacement of damaged motor vehicle glass under a motor vehicle insurance policy shall not be required to use a particular motor vehicle glass repair shop to receive claim payments or other benefits under the policy.
</html:p>
<html:p>
(b)
<html:span class="EnSpace"/>
This section shall not be construed to do any of the following:
</html:p>
<html:p>
(1)
<html:span class="EnSpace"/>
Prohibit an insurer, insurance producer, insurance adjuster, or any person acting on behalf of an insurer, insurance producer, or insurance adjuster from recommending a motor vehicle glass repair shop or providing an explanation to an insured of the coverage available, and any applicable liability limit, under any insurance
policy.
</html:p>
<html:p>
(2)
<html:span class="EnSpace"/>
Prohibit an insurer from maintaining a network of motor vehicle glass repair shops.
</html:p>
<html:p>
(3)
<html:span class="EnSpace"/>
Create a private cause of action.
</html:p>
</ns0:Content>
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</ns0:LawSection>
<ns0:LawSection id="id_F317EE78-6AAD-40DB-8DF3-80068BC58495">
<ns0:Num>1866.7.</ns0:Num>
<ns0:LawSectionVersion id="id_51A79615-0153-4E74-AA5F-5C06F84817C3">
<ns0:Content>
<html:p>It may be presumed that a motor vehicle glass repair shop is acting knowingly in violation of Section 1866.6 if the motor vehicle glass repair shop engages in a regular and consistent pattern of the prohibited activity.</html:p>
</ns0:Content>
</ns0:LawSectionVersion>
</ns0:LawSection>
<ns0:LawSection id="id_F99DF511-6D50-48D4-9680-99557FF7C756">
<ns0:Num>1866.8.</ns0:Num>
<ns0:LawSectionVersion id="id_7BC9F980-38BB-4EBB-B525-FF6EF779FC6A">
<ns0:Content>
<html:p>[Penalties]</html:p>
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