Do I Have to Use the Repair Shop My Insurance Recommends?

March 27, 2025

Understanding Your Right to Choose a Collision Repair Shop

After an accident, handling repairs can feel overwhelming. One of the most common questions drivers face is whether they must use the repair shop their insurance company suggests. While insurance providers often have a network of preferred shops, you have the right to choose where your vehicle is repaired. Understanding your options helps you make informed decisions and ensures your car receives quality care.

Can Insurance Companies Force You to Use Their Preferred Shop?

No, insurance companies cannot require you to use a specific repair shop. While they may recommend shops from their direct repair program (DRP), the decision is ultimately yours. These programs often streamline the claims process, but independent repair shops can provide the same level of service—or even better. 


Insurance companies suggest certain repair facilities because of established agreements, which may prioritize cost savings. While many preferred shops provide quality work, it’s important to know you are not legally required to follow their recommendation. 

Pros and Cons of Using an Insurance-Recommended Repair Shop

Pros:


  • Convenience: Preferred shops often work directly with your insurer, handling paperwork and expediting the claims process. 
  • Warranty Coverage: Many insurance companies offer warranties on repairs completed at their recommended facilities. 
  • Pre-Approved Estimates: Repairs may begin faster since the shop is already approved to follow insurer guidelines. 

Cons:


  • Limited Choice: You might not get access to the repair shop you trust or prefer. 
  • Potential Cost-Cutting: Some insurers prioritize lower costs, which could lead to using aftermarket parts instead of original equipment manufacturer (OEM) parts. 
  • Quality Concerns: While many DRP shops deliver excellent service, some may rush repairs to meet insurer deadlines. 

Benefits of Choosing Your Own Collision Repair Shop

Selecting an independent repair shop gives you more control over the repair process. Here are some advantages of going outside the insurance network: 


  • Personal Choice: You can select a shop with a reputation for quality workmanship and excellent customer service. 
  • OEM Parts: Independent shops may focus on using factory-original parts rather than cheaper alternatives. 
  • Personalized Attention: Local shops often prioritize customer satisfaction and individual attention. 
  • Transparency: You maintain direct communication with the repair team and receive updates throughout the process. 

Benefits of Choosing Your Own Collision Repair Shop

Selecting an independent repair shop gives you more control over the repair process. Here are some advantages of going outside the insurance network: 


  • Personal Choice: You can select a shop with a reputation for quality workmanship and excellent customer service. 
  • OEM Parts: Independent shops may focus on using factory-original parts rather than cheaper alternatives. 
  • Personalized Attention: Local shops often prioritize customer satisfaction and individual attention. 
  • Transparency: You maintain direct communication with the repair team and receive updates throughout the process. 

How to Choose the Right

Collision Repair Shop

If you decide to use a repair shop outside of your insurer's network, consider the following: 


  • Check Reviews and Reputation: Look for customer reviews on trusted platforms to ensure the shop has a history of quality work. 
  • Ask About Warranties: Ensure the shop offers a written warranty on all repairs to protect your investment. 
  • Confirm Certifications: Choose a shop that specializes in your vehicle type and follows industry standards for safe, reliable repairs. 
  • Request a Detailed Estimate: Get a comprehensive repair estimate to understand the scope and cost of the work before authorizing repairs. 
  • Communication Matters: Select a shop that values clear communication and provides regular updates on your vehicle's progress. 

Will Insurance Still Pay

If You Use Your Own Shop?

Yes, insurance companies are required to cover the cost of repairs regardless of where you take your vehicle. However, you should: 


  • Understand Your Policy: Check your policy for any specific requirements about choosing a repair shop. 
  • Coordinate with the Insurer: Inform your insurance company of your chosen shop to avoid delays in claim processing. 
  • Clarify Payment Details: Some insurers pay the shop directly, while others reimburse you after repairs are completed. 

Will Insurance Still Pay

If You Use Your Own Shop?

Yes, insurance companies are required to cover the cost of repairs regardless of where you take your vehicle. However, you should: 


  • Understand Your Policy: Check your policy for any specific requirements about choosing a repair shop. 
  • Coordinate with the Insurer: Inform your insurance company of your chosen shop to avoid delays in claim processing. 
  • Clarify Payment Details: Some insurers pay the shop directly, while others reimburse you after repairs are completed. 

Your Right to Quality Repairs

Arizona law protects consumers by allowing the freedom to choose a repair shop. You have the right to expect quality repairs that restore your vehicle to its pre-accident condition. No matter which shop you choose, the insurer must cover the cost of necessary repairs as outlined in your policy. 

The Bottom Line

While your insurance company may suggest a preferred repair shop, the choice is yours. Weigh the pros and cons, research your options, and select a repair shop that prioritizes quality, transparency, and customer satisfaction. By knowing your rights, you can ensure your vehicle receives the best possible care.




Do You Have to Use the Repair Shop Recommended by Your Insurance?  

After an accident, insurance companies may suggest a specific repair shop, but the choice is ultimately yours. You have the right to select any licensed body shop to repair your vehicle. At VICE Collision, we work with all insurance providers to deliver high-quality repairs and ensure your car is restored properly. 


For reliable service and a smooth repair process, call 480-300-5034 or fill out our contact form to get started. 


Know someone dealing with an insurance claim? Share this blog to help them understand their right to choose a collision repair shop and make informed decisions.