After a car accident in Texas, one of the most common questions drivers have is whether they have to use the repair shop their insurance company recommends. The short answer is no. You have the right to choose where you get your vehicle repaired after a collision, but there are a few things to keep in mind before you hand over your keys to a body shop.

Ready, Set, Repair: What to Know When Choosing a Body Shop

In Texas, you are not legally required to use the repair shop recommended by your insurance company. Under state law, you have the right to select which auto body shop repairs your vehicle.

That said, some insurance adjusters may suggest a “preferred” or “in-network” shop. This is because insurance companies often have contracts with certain repair shops to streamline claims and reduce repair costs. While these shops may do quality work, they may not be the shop you ultimately decide to use. Remember, you have the right to go anywhere you want for your vehicle repair work.

Pros and Cons of Using an Insurance-Preferred Shop

You have options when choosing where to get your car repaired after an accident in Austin. Location, availability and established relationships are often top priorities, but here are some other considerations when deciding whether to use the shop recommended by your insurance company.

• Often, you get faster approvals and claims processing when using a preferred shop.
• Insurance companies may have pre-negotiated pricing with their partner body shops (and this may lower your out-of-pocket costs).
• Preferred shops may offer warranties backed by the insurer.

On the flip side, using an insurance-preferred shop may mean you have less control over who services your vehicle. This could also have an impact on quality, especially if cost savings are prioritized over workmanship and parts.

What If There’s a Dispute About the Estimate?

One thing to keep in mind if you choose your own body shop and their estimate is higher than what the insurance company wants to pay is that your insurance company may push back. In this case, call our office at McKinney Vos, PLLC.

Your options often include negotiation (your repair shop and insurer can communicate directly, or we’ll step in if needed), or you can request an independent appraisal. Many Texas auto policies include an “appraisal clause” that allows for third-party resolution.

Contact Us at McKinney Vos PLLC with Questions

After a car accident in Texas, your insurance company may suggest where to take your vehicle, but you have the legal right to choose any repair shop you trust.

If your insurance company is pressuring you or undervaluing your claim, contact our office at McKinney Vos. We’ll help you protect your rights and ensure your vehicle is repaired safely and properly.