After an accident, insurance companies often recommend—or strongly suggest—a “preferred” body shop. This can leave drivers wondering whether they actually have a choice.
The short answer: No, you are not required to use your insurance company’s preferred body shop.
Here’s what Texas drivers should know before approving repairs.
You Have the Right to Choose Your Repair Shop
Under Texas law, drivers have the right to select the auto body shop that repairs their vehicle. Insurance companies may recommend a preferred shop, but they cannot require you to use it.
This means you are free to choose:
• A shop you trust
• A shop with better reviews or experience
• A shop that uses OEM parts or specific repair methods
Why Do Insurance Companies Recommend Preferred Shops?
Insurance companies partner with certain body shops to create “direct repair programs” (DRPs). These partnerships often benefit insurers by:
• Standardizing repair pricing
• Streamlining claim processing
• Reducing administrative costs
While many preferred shops do quality work, their agreements are designed to meet insurer requirements—not necessarily your personal preferences.
Will Insurance Still Pay If I Choose My Own Shop?
Yes. If the damage is covered under your policy, insurance must still pay for repairs—even if you choose a non-preferred shop.
You may still be responsible for:
• Your deductible
• Any upgrades not covered by your policy
But the choice of repair shop remains yours.
Are There Advantages to Choosing an Independent Body Shop?
Many drivers prefer independent body shops because they often offer:
• More personalized service
• Greater flexibility with parts options
• Clearer communication throughout the repair process
• Advocacy when working with insurance adjusters
An experienced independent shop can still coordinate directly with your insurer while prioritizing proper repairs.
Can I Change Body Shops After a Claim Has Started?
In many cases, yes. If repairs haven’t begun—or if you’re uncomfortable with the repair plan—you can request to move your vehicle to another shop. Timing matters, so it’s best to make this decision early in the process.
Choosing the Right Body Shop After an Accident
When selecting a repair shop, consider:
• Certifications and experience
• Warranty on repairs
• Communication and transparency
• Willingness to work directly with your insurance company
Choosing a shop you trust can make the entire repair process less stressful.
Collision Repair Help for Austin Drivers
Quality Auto Body works with all major insurance companies while putting your vehicle—and your safety—first. We serve Austin, South Austin, North Austin, and Leander, and we’re happy to explain your options before repairs begin.
Have questions about an insurance claim? Request an estimate today.