Your Rights After an Accident by State

Insurance rules are not the same in every state. What you are entitled to after a car accident depends on where the loss occurred and which regulations apply.

Many drivers are told they must accept the insurance company’s decision, estimate, or settlement. In reality, most states provide specific consumer protections that insurers rarely explain unless challenged.

Use the table below to select your state and learn what rights you have after an accident, including repair choices, estimate disputes, diminished value eligibility, total loss rules, and settlement protections.

If you are unsure whether the insurance company followed your state’s rules, EstiVerify can review your estimate and settlement decision to identify missed payments, incorrect assumptions, and consumer rights violations.