Do I Have to Use the Insurance Company’s Body Shop?

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March 15, 2023
by
Michael Smith

Insurance companies often contract with body shops, but you don't have to use their preferred shop. It's not in their best interest if you don't use their shop, so adjusters may try to persuade or intimidate you into using it. You should use the body shop you feel comfortable with, whether it's a DRP or a shop you already know.

The Benefits of Using the Insurance Company’s Body Shop

Lifetime Guarantee on Repairs

When you file an auto insurance claim, your insurer may guarantee the repair work for life, as long as you own the car. However, it’s important to understand that this guarantee typically comes from the body shop, not the insurance company. The shop that performs the repair work is responsible for providing the lifetime guarantee on their workmanship, meaning they will fix any issues that arise with the repair at no extra cost to you. Before choosing a body shop, it’s crucial to research their reputation and guarantee policies to ensure you’re making a sound decision for the longevity of your vehicle.

Understanding the Benefits of Insurance Claims

One of the biggest benefits of using the insurance company’s body shop is the lifetime guarantee on repairs. This means that if anything goes wrong with the repairs, the insurance company will cover the cost of fixing it.

It’s Like Hitting the Easy Button

Using the insurance company’s body shop can be a hassle-free experience. The insurance company will often handle all the paperwork and communicate directly with the body shop, making the process quick and easy for you.

Supplements are Fast

If additional repairs are needed, using the insurance company’s body shop can often speed up the process of getting supplements approved. Since the insurance company is already working with the body shop, they can quickly approve any necessary repairs and get you back on the road as soon as possible.

What You Don’t Know About Using the Insurance Company’s Body Shop

Aftermarket Parts

One thing to be aware of when using the insurance company’s body shop is the use of aftermarket parts. These parts may be cheaper and faster to install, but they may not fit as well or last as long as original manufacturer parts.

Used Parts

In some cases, the insurance company may use used parts to repair your vehicle. While this may save money in the short term, these parts may not be as reliable or long-lasting as new parts.

Body Shops Are Not Necessarily the Bad Guys Here

It’s important to remember that not all body shops are created equal. Some may have a reputation for cutting corners or using subpar materials, but many are reputable and provide quality work. Do your research and choose a body shop based on their reputation and reviews, rather than assuming that the insurance company’s body shop is your only option.

Filing a Claim with Your Own Insurance Company

If you’re not satisfied with the insurance company’s body shop or would prefer to use a different shop, you can file a claim with your own insurance company. This may result in a slightly higher deductible, but it can give you more control over the repair process and ensure that you’re getting the best possible repairs for your vehicle.

You Do Not Have to Use the Body Shop the Insurance Company Wants You to Use

Finally, it’s important to remember that you do not have to use the body shop that the insurance company recommends. You have the right to choose your own body shop and have the repairs done there. However, if you choose to go this route, be aware that the insurance company may only cover the cost of repairs up to what they would have paid at their recommended body shop.