02/18/2026
Lately Steve and I have been hearing customers telling us that the Insurance Companies are telling our customers that they have to go to their "Preferred" Shop to get an estimate that they can not use ours - and/or that they are really pushing the customer hard to go to said shop - I have looked up the Wisconsin State Law to let you know that YOU CAN GO TO ANY SHOP THAT YOU WOULD LIKE TO USE. THE CHOICE IS YOURS! DO NOT LET THEM TELL YOU ANY DIFFERENT :) Here is what I found when I looked it up:
In Wisconsin,
law ensures you have the right to choose any auto body shop for repairs, and insurance companies cannot force you to use a specific shop or "preferred" vendor, according to Wis. Stat. § 632.375 and 2015 Wisconsin Act 93. Insurers may recommend shops, but you are legally allowed to select your own for quality and safety.
Key Wisconsin Laws and Rights
Right to Choose Shop: Wisconsin Statute § 632.375 explicitly states that insurers cannot require repairs to be made at a specific repair facility.
Safety and Quality: You have the right to select a shop that uses certified technicians and ensures the vehicle's safety.
Estimates: Wisconsin law requires that auto body repair facilities provide a written estimate and cannot perform unauthorized repairs.
No Coercion: Insurers cannot delay or refuse to investigate a claim simply because you did not choose their recommended shop.
Double Damages: If the vehicle repair law is violated, you may be able to recover twice the amount of your damages in small claims court, along with attorney fees, under Wisconsin Statute §100.20(5).
Tips for Handling Insurance & Repairs
Shop Choice: Select a shop known for quality, such as one with certified technicians and a written lifetime warranty, rather than just the lowest bidder recommended by an insurer.
Repair Authorization: Ensure you authorize all repairs in writing and understand the total cost before work begins.
Use of Parts: While insurers often push for cheaper, non-OEM (Original Equipment Manufacturer) parts, you can request that your shop uses OEM parts, though you might have to pay the difference.
Final Inspection: Do not sign a release or pay for repairs until you are satisfied with the work.
If an insurer tries to force you to use a specific shop, you can remind them of their obligation to comply with Wisconsin law.
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