Can I Choose My Own Repair Shop?

Find Law Fast Team
Jun 20
2 min read

After a car accident, your insurance company might suggest a “preferred” repair shop. But you might wonder: Do I have to use their choice, or can I pick my own?

The short answer: in most cases, you have the right to choose your repair shop. But there are some things to know before making that decision.

1. Insurance Preferred Shops

Insurance companies often recommend certain repair shops because they:

Have agreements to keep costs low.
Follow insurer-approved processes.
Guarantee their work under the insurance policy.

While convenient, these shops may use cheaper parts or rush repairs to meet insurer timelines.

2. Your Right to Choose

In most states, you can take your car to any licensed repair shop you want. The insurer must still:

Consider your shop’s estimate.
Pay for repairs that are reasonable and necessary.

They can’t legally force you into their network.

3. The Trade-Offs

Choosing your own shop can mean:

✅ More trust in the quality of work.
✅ Ability to request original manufacturer (OEM) parts.
❌ Potential delays if the insurer disputes the estimate.
❌ Out-of-pocket costs if the shop charges more than the insurer allows.

4. How to Protect Yourself

Get everything in writing from your insurer.
Ask your shop to provide detailed estimates with part types and labor rates.
Keep receipts and documentation in case of disputes.
If possible, get multiple estimates to strengthen your case.

5. When It Might Be Smarter to Use Their Shop

If you want a quick and hassle-free repair.
If your insurer offers extended guarantees only through their network.
If you don’t want to risk paying out of pocket for higher repair costs.

The Bottom Line

You usually don’t have to accept your insurer’s choice of repair shop — the decision is yours. Just be prepared for possible back-and-forth if you go outside their network.

👉 If you’ve been in a car accident and need help navigating the repair process, fill out our quick questionnaire. FindLawFast will connect you with the guidance you need.

Disclaimer: This article is for general informational purposes only and should not be taken as legal or financial advice. Repair rights and insurance rules vary by state and provider. Always consult a qualified professional about your specific situation.