If you’ve recently been involved in a car accident, one of the first phone calls you’ll need to make is to your insurer. If you have adequate coverage, your insurance should pay for the repairs your vehicle needs. Many people aren’t sure, however, whether they have the right to choose their own repair shop in the aftermath of an accident. The answers to these questions will help you understand your rights when you’re dealing with your insurer.
Can I pick my own shop to do my vehicle repairs?
Yes. While your insurance company may recommend a repair shop, you are under no obligation to take your vehicle there. You may take your damaged vehicle to your own preferred repair shop, and your insurer is still obligated to pay for the repairs.
How do insurers pick the repair shops they recommend?
But don’t insurance companies know what they’re doing when they recommend a repair shop to you? Not necessarily. Many insurers have ongoing contracts with auto repair shops in a certain area, and they try to steer a significant percentage of their claims toward those shops. The repair contracts allow insurance companies to meet claims at a lower cost to them.
What if my insurer tells me I must use their preferred shop?
If you want to take your vehicle to a shop that doesn’t have a contract with your insurance company, your insurer may try to persuade you to use a different shop. Despite what your insurer may tell you, you do have the legal right to pick your own shop. If your insurer refuses to pay because you are using a shop that they are not contracted with, they are violating the law.
Dave’s Body Shop offers comprehensive collision repair services to the Utah community, along with 24-hour towing services for emergencies. If you’ve been blindsided by an accident, you can depend on us for fast, friendly, and professional repair. If you have any questions about our services or about the insurance process, call (801) 566-3906.