Repairs Are Not Cheap

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1. ObservedJul 4, 2026Conversation1 turnsPlacementAfter turn 01 turns · After turn 0Replay chat
   Observed conversationJul 4, 2026 · interface recreation

   ChatGPTArchived view

   Do I have to use the repair shop my insurance company recommends?

   No. In most situations, you do not have to use the repair shop your insurance company recommends.

   In the United States, you generally have the right to choose the repair shop that fixes your vehicle. Insurance companies often have a network of "preferred" or "direct repair" shops, but they typically cannot require you to use one.

   Here are a few things to keep in mind:

   • You can choose your own shop. Whether you're filing a claim under your own policy or against another driver's insurer, you can usually have your vehicle repaired at the shop you trust.
   • Preferred shops may offer conveniences. Insurers often recommend these shops because they have agreements that can streamline the repair process, such as direct billing, faster approvals, or repair warranties.
   • Payment may work differently. If you use a non-network shop, the insurer may send the payment to you instead of the shop, or you may have to coordinate more of the paperwork yourself.
   • Reasonable repair costs still apply. The insurer is generally only obligated to pay the reasonable cost to repair the vehicle under the terms of the policy. If your chosen shop charges significantly more than the prevailing local rate, you could be responsible for the difference, depending on the circumstances and your policy.
   • State laws matter. Many states have "anti-steering" laws that prohibit insurers from pressuring or misleading customers into using a particular repair facility. The exact protections vary by state.

   If an insurance representative tells you that you must use a specific shop, it's reasonable to ask them:

   • Is that required by my policy or by state law?
   • Will my claim still be covered if I choose another licensed repair shop?
   • If not, can you point me to the specific policy language that says so?

   If you tell me what state you're in, I can explain the specific rules that apply there.

   

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