Do I Have to Use the Repair Shop My Insurance Recommends?
After an accident, once the dust settles and you’ve filed a claim, the next big question usually comes up:
“Do I have to take my car to the repair shop my insurance company tells me to go to?”
It’s one of the most common questions we hear, and the answer might surprise you.
The Short Answer
No, you do not have to use the repair shop your insurance company recommends.
Insurance companies often suggest certain body shops, usually because they have what’s called a Direct Repair Program (DRP). These shops work directly with the insurance company to handle estimates, paperwork, and billing. While that can be very convenient, it doesn’t mean you’re locked in.
As the vehicle owner, you have the legal right to choose where your car is repaired.
Why Insurance Companies Recommend Certain Shops
Insurance carriers partner with repair shops for a few reasons:
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Faster claims process – The shop and insurer already have systems in place to speed things along.
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Lower costs – Insurance companies may negotiate special pricing with their preferred shops.
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Repair warranties – Many DRP shops offer extended warranties on their work.
These are all positives, but they don’t mean other shops won’t do just as good or even better of a job.
Pros of Using Your Insurance’s Recommended Shop
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Convenience: You don’t have to play middleman between the shop and your insurance company.
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Streamlined approval: Repairs can often start sooner since the estimate is pre-approved.
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Peace of mind: Extra warranties may give you additional protection down the road.
Reasons to Choose Your Own Repair Shop
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Trust: If you already have a mechanic or body shop you’ve worked with for years, you may prefer sticking with them.
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Specialized repairs: Classic cars, luxury vehicles, or unique models often require specialized care that not every shop provides.
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Comparison: Getting your own estimate can help you feel confident that you’re getting fair pricing and quality parts.
What to Keep in Mind
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Your insurance will still cover the repairs (up to policy limits), no matter which licensed shop you choose.
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You may have to handle more communication if you go with an independent shop. That means making sure the shop sends estimates and paperwork to your insurance.
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Always ask about warranties. A good repair shop should stand behind its work with written guarantees.
Local Tips for Choosing a Repair Shop
In our area, we know car repairs aren’t one-size-fits-all. Some shops focus on everyday collision repair, while others specialize in classic cars or luxury vehicles.
Here are a few tips if you’re deciding where to go:
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Ask neighbors and friends for referrals – Word of mouth is often the most reliable way to find a shop you can trust.
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Look for certifications – Shops certified by manufacturers or industry organizations (like ASE or I-CAR) are often more reliable.
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Check reviews online – Local Google and Yelp reviews can give you a sense of customer satisfaction.
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Consider specialty needs – If you own a classic or collector car, you may want to look for a shop that understands restoration and specialty parts.
And of course, if you ever need recommendations, our team is always happy to point you toward local repair shops we know and trust.
Bottom Line
You are never required to use the repair shop your insurance company recommends. Their list of preferred shops can be a helpful starting point, but the choice is yours. What matters most is choosing a repair shop that you trust to do the job right—so you can get back on the road safely and with peace of mind.
