Do You Have to Use the Auto Body Shop Your Insurance Recommends?
If you've ever been in an accident and filed an insurance claim, you've probably heard something along the lines of: “You’ll need to take your vehicle to one of our approved repair facilities.” It sounds official, maybe even mandatory. But, is it really?
Let’s clear this up once and for all: NO, you do not have to use the auto body shop your insurance company recommends.
In Arizona, you have the legal right to choose where your vehicle is repaired. At Elite Automotive Finishes, we believe in empowering you with the facts so you can make the best decision for your vehicle, your safety, and your peace of mind.
Understanding Direct Repair Programs (DRPs)
When an insurance company refers you to a “preferred” or “approved” repair facility, they’re typically recommending a Direct Repair Program (DRP) shop. These are body shops that have a contract with the insurance company to perform repairs under certain guidelines, usually at negotiated rates and timelines.
This may sound convenient, as repairs at DRP shops are often approved quickly and can help move your claim along faster. However, there are trade-offs that most people aren’t aware of.
DRP Collision Shops vs. Independent Auto Body Shops
A DRP collision shop works closely with the insurance company, sometimes even prioritizing the insurer’s bottom line. That can lead to:
Use of aftermarket or salvaged parts instead of OEM (Original Equipment Manufacturer) parts
Faster turnaround time, but sometimes at the expense of thorough repairs
Less flexibility with certain repair processes
On the other hand, an independent auto body shop Mesa AZ like Elite Automotive Finishes works for you, the vehicle owner. We are not obligated to follow insurance company quotas or shortcuts. We’re committed to quality craftsmanship, OEM parts, and transparent communication every step of the way.
Why Insurance Companies Push Their Own Shops
Insurance carriers often push customers toward their DRP network because it allows them to:
Control costs through negotiated pricing
Maintain oversight of repair timelines
Streamline paperwork and claims processing
But here’s the thing: you’re not obligated to accept their recommendation.
The law is clear. You can choose your own auto body shop, and your insurance company cannot penalize you for doing so.
“Will It Slow Down My Claim If I Don’t Use Their Shop?”
This is a common concern, and it’s a fair one.
The truth? Yes, going outside their network can take a little longer at first. For example, if you visit a DRP shop for your initial estimate, your insurance company might approve the repair right away. But if you come to an independent shop like Elite, it may take a bit longer to get that same approval—not because of the shop, but because the insurance provider doesn’t have the same prearranged system with us.
That said, we’re happy to handle that process for you. At Elite, we can write the estimate and submit it to your insurance company on your behalf. Our experienced team knows how to navigate the claims process efficiently so you’re not left in the dark.
What If I Already Got an Estimate at a DRP Shop?
Great question—and even better news: you can still choose to have the work done at Elite Automotive Finishes.
Here’s how it works:
Visit the recommended shop for your initial estimate (this gets the ball rolling with your insurance company).
Once your estimate is approved, you are free to take your vehicle wherever you want for the actual repairs.
Bring your vehicle to Elite, and we’ll take it from there, ensuring the job is done right, not just fast.
Why Elite Automotive Finishes?
We’ve been family-owned and operated since 2007, and we take pride in every vehicle that enters our shop. Whether it’s collision repair, classic restoration, or custom work, our goal is always the same: quality, honesty, and doing right by our customers.
We don’t rush jobs to meet insurance timelines. We don’t cut corners to save a buck. We treat your vehicle like it’s our own.
Final Thoughts: Know Your Rights, Choose Your Shop
The next time an insurance adjuster tells you where to go, remember this: you’re in charge.
Whether you’re searching “can I choose my own auto body shop” or wondering about the difference between an insurance repair shop vs. independent, we hope this cleared things up.
At Elite Automotive Finishes, we’re here to work with your insurance company—but we always work for you.
Got questions about collision repair in Mesa AZ? Need help starting a claim? Give us a call—we’ll handle the rest.