Know your rights
Collision Repair Regulations
State-specific laws that protect consumers and shop owners during the collision repair process in Utah and Colorado.
How this works
State protections, explained
Collision repair in Utah and Colorado is governed by a combination of state statutes, insurance regulations, and consumer protection laws.
Understanding these protections helps consumers make informed decisions after an accident, and helps shops document their position when insurers push back on supplements or calibration claims. The regulations below are organized by state. For plain-language answers to the most common post-accident questions, see the Consumer Help FAQ.
Utah
Utah regulations
Unfair claim settlement practices
Utah Code 31A-26-303 defines conduct an insurer may not engage in when handling a claim, and it is the basis for a complaint to the Utah Insurance Department.
Aftermarket crash-parts disclosure (HB 119)
Signed in 2026 and effective on or about May 6, 2026, Utah HB 119 requires insurers to disclose the use of non-OEM aftermarket crash parts. MSCRA supported this measure.
Right to appraisal
A policy-based way to resolve a dispute over the cost and method of repair through independent appraisers. See the full process on Consumer Help.
Why calibration matters
28.3%
of all repairable claims now require ADAS calibration nationally, up from 21.8% in 2024 (CCC Intelligent Solutions). When an OEM repair procedure calls for calibration, it is a standard repair step, not an optional add-on.
Colorado
Colorado regulations
Unfair claim settlement practices
Colorado Revised Statutes 10-3-1104 defines prohibited insurer conduct in claim handling, and it is the basis for a complaint to the Colorado Division of Insurance.
Division of Insurance complaint process
The Colorado Division of Insurance, under DORA, accepts and investigates complaints about insurer conduct, including claim handling and steering.
Right to appraisal
A policy-based way to resolve a dispute over the cost and method of repair through independent appraisers. See the full process on Consumer Help.
Consumer guidance
Know your rights before you need them
State-specific consumer guidance for Utah and Colorado vehicle owners, written in plain language.