08/26/2026
After a car accident, your insurance company may provide the name of a repair facility or a list of approved shops. This recommendation can be helpful, especially when you are already dealing with vehicle damage, paperwork, and transportation problems.
However, you may still wonder: Do you have to use the body shop the insurance company recommends?
In most situations, you can choose the repair facility that works on your vehicle. An insurance company may recommend a shop within its repair network, but a recommendation does not automatically mean that you are required to use that business. Your specific rights and coverage can depend on your insurance policy, so you should review the policy and ask the insurer to explain any stated limitations.
Choosing a repair facility is an important decision. The quality of the repairs can affect your vehicle’s safety, appearance, performance, resale value, and durability over time. Before authorizing repairs, take time to understand your options and select a local auto body shop you trust.
Do you have to use the body shop the insurance company recommends? Learn your repair rights and choose a proven local collision repair shop after your accident.