Can You Choose Your Own Repair Shop After an Accident?

After a car accident, dealing with insurance claims and vehicle repairs can be stressful. One of the most common questions insured drivers may ask is, “Can I choose my own repair shop?” The short answer is yes—in most cases, Texas law allows you to select the repair shop you trust. But there are some considerations to keep in mind.

Your Right to Choose

In Texas, you likely do not need to use the repair shop your insurance company recommends. While insurers may suggest preferred or “in-network” shops, the final decision is yours. This means you can take your vehicle to a shop you’ve worked with before or one that specializes in your car’s make and model.

Why Insurers Recommend Certain Shops

Insurance companies often have direct repair programs with selected body shops. These relationships can help streamline the claims process and may offer certain guarantees, such as faster service or warranties on the repairs. However, you are not obligated to use these shops.

What to Consider When Choosing a Shop

It’s advisable to find a repair shop that offers the following:

• Experience and certifications—Look for shops with certified technicians and experience working with your vehicle type.

• Warranties—Ask if the shop offers a warranty on parts and labor.

• Estimates—You have the right to request multiple repair estimates before committing.

• Insurance coordination—Choose a shop that can work directly with your insurance provider to make the process smoother.

Know Before You Go

Before deciding on a repair shop, review your auto insurance policy or speak with an insurance professional. Some policies may have conditions or limitations, especially with aftermarket parts. It’s always best to understand your coverage fully.

If you have questions about your policy or need help navigating the claims process, contact Ashley Taylor Insurance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.