SB 551 adds section 758.5 to the California Insurance Code to prohibit insurers from requiring claimants to use a specific automotive repair dealer or suggesting a dealer without informing the claimant of their right to choose. It requires insurers to disclose any contractual provisions recommending a dealer in the insurance application and when acknowledging claims. Insurers cannot limit repair costs if the claimant chooses their own dealer. The bill grants enforcement powers to the Insurance Commissioner.