After a Car Accident: Should You Use an Insurer-Approved Repair Shop or Choose Your Own?
After a car accident, you’re dealing with enough stress—police reports, towing, rental cars, claim calls, and figuring out what comes next. One of the biggest questions drivers face is:
Should I use the repair shop recommended by my insurance carrier, or choose my own?
Short answer: It depends.
But for many people—especially right after an accident—using an insurer-approved (in-network) repair shop can be the simpler and safer route.
Here’s a breakdown to help you decide what’s best for your situation.
Option 1: Using an Insurer-Approved Repair Shop (In-Network Shop)
Most insurance carriers have a network of approved repair shops they work with regularly. These shops are often referred to as preferred shops or direct repair program (DRP) shops.
Pros of using an insurer-approved shop
1. Faster and smoother process
These shops already work directly with insurance companies, meaning they know how to handle repair estimates, supplements (additional damage found after teardown), and billing. This often results in fewer delays.
2. Fewer out-of-pocket surprises
Pricing and repair procedures are typically pre-negotiated with the insurer. That can reduce unexpected costs.
3. Repair guarantees
Many insurers offer a lifetime repair guarantee when you use one of their network shops (typically for as long as you own the vehicle).
4. Less hassle for you
If issues come up during repairs, the insurer and shop usually handle the back-and-forth, so you don’t have to.
Cons of using an insurer-approved shop
You may feel you have less personal choice.
Quality can vary by location (although insurers typically vet these shops).
Best when
You want convenience, quick turnaround, and minimal stress.
Option 2: Choosing Your Own Repair Shop
You are not required to use the shop your insurance company recommends. In most cases, you can choose any licensed repair shop.
Pros of choosing your own shop
1. Full control over who repairs your vehicle
You can choose the shop you trust, especially if you’ve used them before.
2. Specialty vehicle support
Some vehicles require more expertise, such as luxury vehicles, EVs (electric vehicles), classic cars, or custom builds. A specialized shop may be better equipped.
3. Potentially more attention to detail
Some customers feel that independent or specialty shops offer more personalized service and craftsmanship.
Cons of choosing your own shop
1. More negotiation may fall on you
If the insurer and shop disagree on labor rates, repair methods, or parts, you may have to help resolve the issue.
2. Repair guarantees may not apply
Some insurers only provide repair guarantees when you use their in-network shops.
3. Delays can happen
Repairs can take longer if the insurer disputes pricing or repair procedures.
Best when
You already have a trusted repair shop, have a specialty vehicle, or strongly prefer certain repair methods.
Important Things to Know (No Matter Which Option You Choose)
You usually have the legal right to choose your repair shop
In most states, insurance companies cannot force you to use a specific shop. However, they may offer benefits or guarantees only through their network shops.
What to Look for in Any Repair Shop
Before you approve repairs, make sure the shop:
Provides a written warranty on repairs
Uses quality parts and follows proper repair procedures
Has certifications if needed (especially for EVs and luxury brands)
Communicates clearly about timelines and supplements
Ask about parts
Your policy and state rules may affect what parts are covered. It is always a good idea to ask whether repairs will use:
OEM parts (Original Equipment Manufacturer)
Aftermarket parts
Used or recycled parts
Practical Recommendation
If you do not already have a trusted repair shop, starting with an insurer-approved shop is usually the best option for convenience, smoother claim handling, and fewer surprises.
If you do have a shop you trust, that is also a great option. Just confirm with your insurer:
Will they work directly with that shop?
What repair guarantees (if any) still apply?
Need Help After an Accident? We’re Here for You
Accidents are stressful, but the repair process does not have to be. If you have been in a collision and are not sure what to do next, we are happy to help guide you through the process and answer coverage questions.
