{
  "how_to_call": {
    "auth": "Reads of /a/<id>, /a/<id>.json, /a/<id>.md, /procedures.json and /schemas/* need no key. Calls under /api need the build key in the header x-sheets-key.",
    "calls": [
      {
        "what": "this article as a page (add #json, or press JSON, for the JSON view)",
        "method": "GET",
        "url": "https://miscsubjects.com/a/california-vehicle-damage-claim",
        "headers": {}
      },
      {
        "what": "this procedure as JSON: the object, where it sits, how to call it (no key)",
        "method": "GET",
        "url": "https://miscsubjects.com/a/california-vehicle-damage-claim.json",
        "headers": {}
      },
      {
        "what": "the same JSON when a client asks for it by type (no key)",
        "method": "GET",
        "url": "https://miscsubjects.com/a/california-vehicle-damage-claim",
        "headers": {
          "accept": "application/json"
        }
      },
      {
        "what": "this article’s Markdown (no key)",
        "method": "GET",
        "url": "https://miscsubjects.com/a/california-vehicle-damage-claim.md",
        "headers": {}
      },
      {
        "what": "the schema this object follows (no key)",
        "method": "GET",
        "url": "https://miscsubjects.com/schemas/procedure.json",
        "headers": {}
      },
      {
        "what": "the map of every procedure and where each sits (no key)",
        "method": "GET",
        "url": "https://miscsubjects.com/procedures.json",
        "headers": {}
      },
      {
        "what": "where this procedure stands for one person: facts in, field-by-field state and the next questions out",
        "method": "POST",
        "url": "https://miscsubjects.com/api/procedures/california-vehicle-damage-claim/evaluate",
        "headers": {
          "x-sheets-key": "<the build key>",
          "content-type": "application/json"
        },
        "body": {
          "facts": {}
        }
      },
      {
        "what": "read the object whole, with the hash to write it back against",
        "method": "GET",
        "url": "https://miscsubjects.com/api/procedures/california-vehicle-damage-claim",
        "headers": {
          "x-sheets-key": "<the build key>"
        }
      },
      {
        "what": "replace the object (if-match: its hash; a wrong hash is refused 412 with the current one)",
        "method": "PUT",
        "url": "https://miscsubjects.com/api/procedures/california-vehicle-damage-claim",
        "headers": {
          "x-sheets-key": "<the build key>",
          "content-type": "application/json",
          "if-match": "<hash from GET>"
        },
        "body": {
          "schema": "procedure/1",
          "procedure_id": "california-vehicle-damage-claim",
          "…": "…"
        }
      },
      {
        "what": "check the kept source text and every quotation against their hashes",
        "method": "GET",
        "url": "https://miscsubjects.com/api/procedures/california-vehicle-damage-claim/verify",
        "headers": {
          "x-sheets-key": "<the build key>"
        }
      },
      {
        "what": "every earlier version (append-only)",
        "method": "GET",
        "url": "https://miscsubjects.com/api/procedures/california-vehicle-damage-claim/revisions",
        "headers": {
          "x-sheets-key": "<the build key>"
        }
      }
    ],
    "schema": "https://miscsubjects.com/schemas/procedure.json",
    "states": [
      "UNKNOWN",
      "PROVIDED",
      "EVIDENCED",
      "RULE-SATISFIED",
      "READY",
      "AUTHORIZED",
      "SUBMITTED",
      "ACCEPTED",
      "INELIGIBLE",
      "AMBIGUOUS",
      "HUMAN_REVIEW",
      "REJECTED",
      "CORRECTION_REQUIRED",
      "EXPIRED",
      "WITHDRAWN"
    ],
    "relations": [
      "parent_of / child_of",
      "sibling_of",
      "nested",
      "requires",
      "triggered_by",
      "may_trigger",
      "may_cause",
      "related",
      "appeal / correction / renewal",
      "maps_to_fact",
      "supports"
    ]
  },
  "slug": "california-vehicle-damage-claim",
  "title": "Claim for damage to a car after an accident in California",
  "published": true,
  "status": "published",
  "type": "claim",
  "hash": "sha256:32e77997a3ddce67e4379e1263e2b4a230cea8fe8f47a936f231b5f86cd08785",
  "version": 1,
  "created_at": "2026-10-04T21:18:58.611Z",
  "updated_at": "2026-10-04T21:18:58.611Z",
  "page": "https://miscsubjects.com/a/california-vehicle-damage-claim",
  "json": "https://miscsubjects.com/a/california-vehicle-damage-claim.json",
  "markdown": "https://miscsubjects.com/a/california-vehicle-damage-claim.md",
  "projection": {
    "generated_from": "sha256:32e77997a3ddce67e4379e1263e2b4a230cea8fe8f47a936f231b5f86cd08785",
    "note": "The article page and its Markdown are drawn from this object. Edit the object, never the page."
  },
  "procedure": {
    "schema": "procedure/1",
    "procedure_id": "california-vehicle-damage-claim",
    "type": "claim",
    "status": "published",
    "title": "Claim for damage to a car after an accident in California",
    "summary": "An insurance claim for damage to a vehicle. The insurer acknowledges a notice of claim within 15 calendar days and accepts or denies the claim within 40 calendar days of proof of claim; the Code of Civil Procedure gives three years for an action for injuring goods or chattels.",
    "vertical_id": "vertical-property-casualty-insurance-claims",
    "jurisdiction_ids": [
      "us",
      "us-ca"
    ],
    "authority_ids": [
      "us-ca-insurers"
    ],
    "authorities": [
      {
        "id": "us-ca-insurers",
        "name": "The insurer, under California’s Fair Claims Settlement Practices Regulations",
        "kind": "private, regulated",
        "url": "https://www.insurance.ca.gov/",
        "domain": "insurance.ca.gov"
      }
    ],
    "parent_ids": [
      "auto-collision-claim"
    ],
    "triggered_by_ids": [
      "motor-vehicle-accident"
    ],
    "related_ids": [
      "california-bodily-injury-claim",
      "california-dmv-sr-1-accident-report"
    ],
    "nested_ids": [
      "california-bodily-injury-claim"
    ],
    "last_verified_at": "2026-10-04T21:05:40.198Z",
    "eligibility_rules": [
      {
        "id": "r-proof",
        "text": "The insurer tells the claimant what information it needs as proof of claim, and provides the forms and instructions.",
        "evidence_ids": [
          "ccr-2695-5-e2"
        ]
      },
      {
        "id": "r-denial",
        "text": "An insurer that denies or rejects a first-party claim does so in writing, listing every basis and the facts and law behind each.",
        "evidence_ids": [
          "ccr-2695-7-b1"
        ]
      }
    ],
    "deadlines": [
      {
        "id": "deadline-acknowledge",
        "label": "The insurer acknowledges your notice of claim",
        "rule": "Upon receiving notice of claim, every insurer shall immediately, but in no event more than fifteen (15) calendar days later, acknowledge receipt of such notice to the claimant unless payment is made within that period of time.",
        "days": 15,
        "anchor": "the insurer receives notice of the claim",
        "evidence_ids": [
          "ccr-2695-5-e"
        ]
      },
      {
        "id": "deadline-decide",
        "label": "The insurer accepts or denies the claim",
        "rule": "Upon receiving proof of claim, every insurer shall immediately, but in no event more than forty (40) calendar days later, accept or deny the claim, in whole or in part.",
        "days": 40,
        "anchor": "the insurer receives proof of claim",
        "evidence_ids": [
          "ccr-2695-7-b"
        ]
      },
      {
        "id": "deadline-action",
        "label": "The time to sue for damage to property",
        "rule": "Within three years: an action for taking, detaining, or injuring goods or chattels (Code of Civil Procedure section 338(c)(1)).",
        "anchor": "when the cause of action accrues",
        "evidence_ids": [
          "ccp-338-c1"
        ]
      }
    ],
    "human_review": {
      "required": true,
      "discretion": true,
      "notes": "The insurer accepts or denies the claim. The deadlines above bind the insurer; what counts as proof of claim is the insurer’s to specify."
    },
    "evidence": [
      {
        "evidence_id": "ccr-2695-5-e",
        "source_type": "statute_regulation",
        "source_name": "Legal Information Institute, Cornell Law School (reproducing the California Code of Regulations)",
        "url": "https://www.law.cornell.edu/regulations/california/10-CCR-2695.5",
        "title": "10 CCR § 2695.5, Duties upon Receipt of Communications",
        "retrieved_at": "2026-10-04T21:05:39.607Z",
        "quotation": "(e) Upon receiving notice of claim, every insurer shall immediately, but in no event more than fifteen (15) calendar days later, do the following unless the notice of claim received is a notice of legal action: (1) acknowledge receipt of such notice to the claimant unless payment is made within that period of time.",
        "locator": {
          "char_start": 3148,
          "char_end": 3464
        },
        "normalized_payload_hash": "sha256:df7db63049837ab54c1b8e421806eaf1b0bcf79b757039fcaac9773cd4dfdffb",
        "quote_hash": "sha256:30968235681be759f3eaa257751830a54dacd9428c68484e665da2b73c934be4",
        "snapshot_artifact": "state/evidence/sha256/df/df7db63049837ab54c1b8e421806eaf1b0bcf79b757039fcaac9773cd4dfdffb.txt",
        "snapshot_hash": "sha256:df7db63049837ab54c1b8e421806eaf1b0bcf79b757039fcaac9773cd4dfdffb",
        "quote_status": "verified",
        "link_status": "ok",
        "authority_rank": "primary",
        "captured_by": {
          "tool": "SOURCE_CAPTURE",
          "run": "the build’s own code (src/procedures.js captureEvidence), on the build’s Mac, reading the page with curl",
          "at": "2026-10-04T21:05:39.607Z"
        },
        "note": "A reproduction of the regulation, not its official publication."
      },
      {
        "evidence_id": "ccr-2695-5-e2",
        "source_type": "statute_regulation",
        "source_name": "Legal Information Institute, Cornell Law School (reproducing the California Code of Regulations)",
        "url": "https://www.law.cornell.edu/regulations/california/10-CCR-2695.5",
        "title": "10 CCR § 2695.5, Duties upon Receipt of Communications",
        "retrieved_at": "2026-10-04T21:05:39.608Z",
        "quotation": "(2) provide to the claimant necessary forms, instructions, and reasonable assistance, including but not limited to, specifying the information the claimant must provide for proof of claim;",
        "locator": {
          "char_start": 3824,
          "char_end": 4012
        },
        "normalized_payload_hash": "sha256:df7db63049837ab54c1b8e421806eaf1b0bcf79b757039fcaac9773cd4dfdffb",
        "quote_hash": "sha256:edae8d599ea498cda927f92275840fe81be733789feb04fce752d83a87062065",
        "snapshot_artifact": "state/evidence/sha256/df/df7db63049837ab54c1b8e421806eaf1b0bcf79b757039fcaac9773cd4dfdffb.txt",
        "snapshot_hash": "sha256:df7db63049837ab54c1b8e421806eaf1b0bcf79b757039fcaac9773cd4dfdffb",
        "quote_status": "verified",
        "link_status": "ok",
        "authority_rank": "primary",
        "captured_by": {
          "tool": "SOURCE_CAPTURE",
          "run": "the build’s own code (src/procedures.js captureEvidence), on the build’s Mac, reading the page with curl",
          "at": "2026-10-04T21:05:39.608Z"
        },
        "note": "A reproduction of the regulation, not its official publication."
      },
      {
        "evidence_id": "ccr-2695-7-b",
        "source_type": "statute_regulation",
        "source_name": "Legal Information Institute, Cornell Law School (reproducing the California Code of Regulations)",
        "url": "https://www.law.cornell.edu/regulations/california/10-CCR-2695.7",
        "title": "10 CCR § 2695.7, Standards for Prompt, Fair and Equitable Settlements",
        "retrieved_at": "2026-10-04T21:05:40.196Z",
        "quotation": "(b) Upon receiving proof of claim, every insurer, except as specified in subsection 2695.7 (b)(4) below, shall immediately, but in no event more than forty (40) calendar days later, accept or deny the claim, in whole or in part.",
        "locator": {
          "char_start": 1625,
          "char_end": 1853
        },
        "normalized_payload_hash": "sha256:59b318edb4669b02cf7847ce816c1c3163ae6323b5a7b1d57b10c6493ec60c7f",
        "quote_hash": "sha256:7ae9786b82dac9e67327f7ba9ec725473d737dcc437a07852a424c6b5bdac33f",
        "snapshot_artifact": "state/evidence/sha256/59/59b318edb4669b02cf7847ce816c1c3163ae6323b5a7b1d57b10c6493ec60c7f.txt",
        "snapshot_hash": "sha256:59b318edb4669b02cf7847ce816c1c3163ae6323b5a7b1d57b10c6493ec60c7f",
        "quote_status": "verified",
        "link_status": "ok",
        "authority_rank": "primary",
        "captured_by": {
          "tool": "SOURCE_CAPTURE",
          "run": "the build’s own code (src/procedures.js captureEvidence), on the build’s Mac, reading the page with curl",
          "at": "2026-10-04T21:05:40.196Z"
        },
        "note": "A reproduction of the regulation, not its official publication."
      },
      {
        "evidence_id": "ccr-2695-7-b1",
        "source_type": "statute_regulation",
        "source_name": "Legal Information Institute, Cornell Law School (reproducing the California Code of Regulations)",
        "url": "https://www.law.cornell.edu/regulations/california/10-CCR-2695.7",
        "title": "10 CCR § 2695.7, Standards for Prompt, Fair and Equitable Settlements",
        "retrieved_at": "2026-10-04T21:05:40.198Z",
        "quotation": "(1) Where an insurer denies or rejects a first party claim, in whole or in part, it shall do so in writing and shall provide to the claimant a statement listing all bases for such rejection or denial and the factual and legal bases for each reason given for such rejection or denial which is then within the insurer's knowledge.",
        "locator": {
          "char_start": 1981,
          "char_end": 2309
        },
        "normalized_payload_hash": "sha256:59b318edb4669b02cf7847ce816c1c3163ae6323b5a7b1d57b10c6493ec60c7f",
        "quote_hash": "sha256:2ea392862625d25893e353af2eea79a02024542b3aa536ff875c0a01d20079aa",
        "snapshot_artifact": "state/evidence/sha256/59/59b318edb4669b02cf7847ce816c1c3163ae6323b5a7b1d57b10c6493ec60c7f.txt",
        "snapshot_hash": "sha256:59b318edb4669b02cf7847ce816c1c3163ae6323b5a7b1d57b10c6493ec60c7f",
        "quote_status": "verified",
        "link_status": "ok",
        "authority_rank": "primary",
        "captured_by": {
          "tool": "SOURCE_CAPTURE",
          "run": "the build’s own code (src/procedures.js captureEvidence), on the build’s Mac, reading the page with curl",
          "at": "2026-10-04T21:05:40.198Z"
        },
        "note": "A reproduction of the regulation, not its official publication."
      },
      {
        "evidence_id": "ccp-338-c1",
        "source_type": "statute_regulation",
        "source_name": "California Legislative Information",
        "url": "https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=CCP&sectionNum=338",
        "title": "California Code of Civil Procedure section 338",
        "retrieved_at": "2026-10-04T21:05:39.003Z",
        "quotation": "338. Within three years: (a) An action upon a liability created by statute, other than a penalty or forfeiture. (b) An action for trespass upon or injury to real property. (c) (1) An action for taking, detaining, or injuring goods or chattels, including an action for the specific recovery of personal property.",
        "locator": {
          "char_start": 1040,
          "char_end": 1351
        },
        "normalized_payload_hash": "sha256:3ee9336cea287b17caae2971af29790875cd63b49e86a860475c6537f905a3c5",
        "quote_hash": "sha256:12d3169ba007c6e54d867760768dfb6a45eba7106bd71841f4946f7dbe0d098d",
        "snapshot_artifact": "state/evidence/sha256/3e/3ee9336cea287b17caae2971af29790875cd63b49e86a860475c6537f905a3c5.txt",
        "snapshot_hash": "sha256:3ee9336cea287b17caae2971af29790875cd63b49e86a860475c6537f905a3c5",
        "quote_status": "verified",
        "link_status": "ok",
        "authority_rank": "primary",
        "captured_by": {
          "tool": "SOURCE_CAPTURE",
          "run": "the build’s own code (src/procedures.js captureEvidence), on the build’s Mac, reading the page with curl",
          "at": "2026-10-04T21:05:39.003Z"
        }
      }
    ],
    "unknowns": [
      "What a given insurer asks for as proof of claim differs by insurer and policy; it is not modeled here.",
      "When the three years start to run in a particular case is a legal question this page does not answer.",
      "The regulation is read from the Legal Information Institute’s reproduction, not the official publication."
    ],
    "article_projection": {
      "description": "A car damaged in a California accident: the insurer’s clocks under the claims regulation and the three-year limit for property, with the claim for injury to the person nested inside.",
      "tags": [
        "claim",
        "auto",
        "california"
      ],
      "body_md": "Damage to the car and injury to the person are two claims with two clocks. This article carries the other one inside it."
    },
    "provenance": {
      "created_by": "Claude Code session for the Universal Procedure Graph",
      "method": "official pages, the form and the codes, read on the date shown; quotations found word for word"
    },
    "version": 1
  },
  "ontology": {
    "id": "california-vehicle-damage-claim",
    "level": 2,
    "root": {
      "id": "vertical-property-casualty-insurance-claims",
      "title": "Property & casualty insurance claims",
      "type": "vertical",
      "status": "published",
      "exists": true,
      "url": "/a/vertical-property-casualty-insurance-claims"
    },
    "ancestors": [
      [
        {
          "id": "vertical-property-casualty-insurance-claims",
          "title": "Property & casualty insurance claims",
          "type": "vertical",
          "status": "published",
          "exists": true,
          "url": "/a/vertical-property-casualty-insurance-claims"
        },
        {
          "id": "auto-collision-claim",
          "title": "Auto collision claim",
          "type": "procedure",
          "status": "stub",
          "exists": true
        }
      ]
    ],
    "parents": [
      {
        "id": "auto-collision-claim",
        "title": "Auto collision claim",
        "type": "procedure",
        "status": "stub",
        "exists": true
      }
    ],
    "children": [],
    "siblings": [],
    "related": [
      {
        "id": "california-bodily-injury-claim",
        "title": "Claim for injury to a person after an accident in California",
        "type": "claim",
        "status": "published",
        "exists": true,
        "url": "/a/california-bodily-injury-claim"
      },
      {
        "id": "california-dmv-sr-1-accident-report",
        "title": "Report an accident to the California DMV (SR-1)",
        "type": "filing",
        "status": "published",
        "exists": true,
        "url": "/a/california-dmv-sr-1-accident-report"
      }
    ],
    "prerequisites": [],
    "triggered_by": [
      {
        "id": "motor-vehicle-accident",
        "title": "A motor vehicle accident",
        "type": "event",
        "status": "published",
        "exists": true,
        "url": "/a/motor-vehicle-accident"
      }
    ],
    "may_trigger": [],
    "may_cause": [],
    "caused_by": [
      {
        "id": "motor-vehicle-accident",
        "title": "A motor vehicle accident",
        "type": "event",
        "status": "published",
        "exists": true,
        "url": "/a/motor-vehicle-accident"
      }
    ],
    "nested": [
      {
        "id": "california-bodily-injury-claim",
        "title": "Claim for injury to a person after an accident in California",
        "type": "claim",
        "status": "published",
        "exists": true,
        "url": "/a/california-bodily-injury-claim"
      }
    ],
    "descendants": 0,
    "unresolved": [],
    "one_sided_edges": [
      "401-k-rollover says its parent is vertical-retirement-pensions",
      "aca-marketplace-enrollment says its parent is vertical-health-insurance-enrollment",
      "account-closure-transfer says its parent is vertical-death-administration",
      "adoption-petition-packet says its parent is vertical-child-family-benefits",
      "advanced-imaging-authorization says its parent is vertical-prior-authorization",
      "agency-reconsideration says its parent is vertical-administrative-hearings",
      "agricultural-permit says its parent is vertical-agriculture-food-programs",
      "air-emissions-permit says its parent is vertical-environmental-permitting",
      "aircraft-registration says its parent is vertical-aviation-maritime-administration",
      "airline-refund-request says its parent is vertical-travel-compensation-claims"
    ]
  },
  "freshness": {
    "state": "verified, no recheck interval set",
    "last_verified_at": "2026-10-04T21:05:40.198Z",
    "effective_until": null,
    "recheck_after_days": null,
    "recheck": []
  },
  "validation": {
    "ok": true,
    "errors": [],
    "warnings": []
  },
  "body": "An insurance claim for damage to a vehicle. The insurer acknowledges a notice of claim within 15 calendar days and accepts or denies the claim within 40 calendar days of proof of claim; the Code of Civil Procedure gives three years for an action for injuring goods or chattels.\n\n## At a glance\n\n| Detail | Value |\n| --- | --- |\n| Kind | Claim |\n| Authority | [The insurer, under California’s Fair Claims Settlement Practices Regulations](https://www.insurance.ca.gov/) |\n| Where it applies | us, us-ca |\n| Last verified against its sources | 2026-10-04 |\n| Version | 1 |\n\n## Where this sits\n\n**Level 2.** [Property & casualty insurance claims](/a/vertical-property-casualty-insurance-claims) › Auto collision claim › **Claim for damage to a car after an accident in California**\n\n**Starts from:** [A motor vehicle accident](/a/motor-vehicle-accident)\n\n**May be caused by:** [A motor vehicle accident](/a/motor-vehicle-accident)\n\n**Related:** [Claim for injury to a person after an accident in California](/a/california-bodily-injury-claim), [Report an accident to the California DMV (SR-1)](/a/california-dmv-sr-1-accident-report)\n\nDamage to the car and injury to the person are two claims with two clocks. This article carries the other one inside it.\n\n[[embed:california-bodily-injury-claim]]\n\n## Rules\n\n**Requirement:** The insurer tells the claimant what information it needs as proof of claim, and provides the forms and instructions.\n\n[[widget:ccr-2695-5-e2]]\n\n**Requirement:** An insurer that denies or rejects a first-party claim does so in writing, listing every basis and the facts and law behind each.\n\n[[widget:ccr-2695-7-b1]]\n\n## Deadlines\n\n**The insurer acknowledges your notice of claim:** Upon receiving notice of claim, every insurer shall immediately, but in no event more than fifteen (15) calendar days later, acknowledge receipt of such notice to the claimant unless payment is made within that period of time.\n\n[[widget:ccr-2695-5-e]]\n\n**The insurer accepts or denies the claim:** Upon receiving proof of claim, every insurer shall immediately, but in no event more than forty (40) calendar days later, accept or deny the claim, in whole or in part.\n\n[[widget:ccr-2695-7-b]]\n\n**The time to sue for damage to property:** Within three years: an action for taking, detaining, or injuring goods or chattels (Code of Civil Procedure section 338(c)(1)).\n\n[[widget:ccp-338-c1]]\n\n## Where a person decides\n\nThe insurer accepts or denies the claim. The deadlines above bind the insurer; what counts as proof of claim is the insurer’s to specify.\n\n## What this page does not know\n\n- What a given insurer asks for as proof of claim differs by insurer and policy; it is not modeled here.\n- When the three years start to run in a particular case is a legal question this page does not answer.\n- The regulation is read from the Legal Information Institute’s reproduction, not the official publication.\n"
}