California
Your AI Accident Assistant for California.
We handle California property-damage claims end-to-end — body shop, rental, total loss, diminished value, loss-of-use, and recovery dollars.
How California treats your claim
- Total loss threshold
- Total Loss Formula (per-claim)
- Appraisal clause
- Available on request
- Diminished value (DV) recovery
- Recoverable
- Loss-of-use (extended rental)
- Recoverable as damages
- Statute of limitations
- 3 years
- Small claims cap
- $12,500
- Fault rule
- Pure comparative fault
- First-party PA license
- Not required for consumer DIY
Owner can choose.
Ray v. Farmers Ins. Exchange, 200 Cal.App.3d 1411 (1988); Carson v. Mercury Ins. Co., 210 Cal.App.4th 409 (2012); Baldwin v. AAA NCNU Ins. Exch., 1 Cal.App.5th 545 (2016)
Cal. Ins. Code §§ 15007-15080; CCR Title 10 Ch. 5
Dive deeper into California
What Claimoe does for California claims
- · Drafts every adjuster email for your approval, with California-specific language and citations.
- · Calculates your diminished value using the 17c framework and Ray v. Farmers Ins. Exchange, 200 Cal.App.3d 1411 (1988); Carson v. Mercury Ins. Co., 210 Cal.App.4th 409 (2012); Baldwin v. AAA NCNU Ins. Exch., 1 Cal.App.5th 545 (2016).
- · Tracks the 60-day appraisal-clause window and invokes it on your behalf when appropriate.
- · Files loss-of-use extensions if your rental cap expires before repair completes.
- · Watches your case 24/7 and only pings you when you need to decide.
Other states we cover
Drafted by AI · California rules summarized for general information; not legal advice. We update each state as carriers and legislatures change. Source citations linked from your case dashboard.