Being involved in a car accident can be stressful, and dealing with repairs often adds to the complexity. Many insurance companies recommend specific auto body shops for repairs, but are you obligated to use the one they suggest? At L M Insurance & Financial Services LLC in Bronx, NY, we want to ensure you understand your rights regarding auto body repairs.

Do You Have to Use the Recommended Shop?

The simple answer is no—you are not obligated to use the auto body shop recommended by your insurance company. While insurers often have a network of preferred shops, you have the right to choose where your vehicle is repaired. However, there are factors to consider before making that decision.

Why Do Insurance Companies Recommend Certain Shops?

Insurance companies often form partnerships with specific repair shops, allowing them to negotiate lower rates and streamline the claims process. These shops, known as Direct Repair Programs (DRPs), are typically vetted by the insurer for quality and reliability. Opting for one of these shops can expedite the process, as they often work directly with your insurer to complete the repairs.

What If You Choose a Different Shop?

If you decide to use a shop outside your insurer’s network, you can still get your car repaired, but you might face a few additional steps. Also, the insurer might not guarantee the workmanship if the shop isn’t part of their network.

At L M Insurance & Financial Services LLC in Bronx, NY, we’re here to answer your auto insurance questions and ensure you’re fully informed. Contact us today to learn more about your coverage and repair options!