Will My Insurance Rates Go Up if I Choose My Own Body Shop?
In the wake of a car accident, you’ll need to decide where to have your auto body repairs performed. Your insurance company may steer you towards one of their preferred shops, but it’s important to understand that you can choose where to go—and your insurance company can’t penalize you for it.
Understanding the Dynamics Behind Insurance-Recommended Shops
Contrary to what you may have heard, you’re not obligated to use the body shop recommended by your insurance provider. California law states that you can use any body shop you choose—which gives you the freedom to find a shop that meets your needs. In addition, your insurance company cannot raise your rates or penalize you in any way for going to the shop of your choice.
If you can choose to take your vehicle anywhere, why do insurance providers try to persuade you to use one of their recommended shops?
In short, insurance companies partner with big box auto body shops in order to save money. Insurers typically will negotiate special rates in return for sending the auto body shops business. This can end up saving the insurance providers a lot of money, and in return, the auto body shops receive a steady flow of business. However, the cost savings from these arrangements seldom trickle down to drivers—and in some cases, you may not receive the quality of repairs you were hoping for.
Potential Pressure from Insurance Adjusters
Although insurance adjusters can’t penalize you for opting out of their preferred repair shop, they may use tactics to sway your decision. It’s not uncommon for them to tell you that your chosen shop is out of network—while conveniently leaving out that there aren’t any consequences for choosing an out-of-network auto body shop.
They may also emphasize the additional training their chosen shop has or subtly imply that only their recommended shop can guarantee proper repairs. Sometimes, adjusters might prolong the process, hoping that you’ll break down and choose their preferred option. Ultimately, you have the final say on where you take your vehicle. You’ll need to decide whether you’d like to go with the convenience of a pre-selected shop or find a shop that best fits your needs.
At Cline Collision Center, we take pride in the fact that we work for you—not your insurance company. Our focus is always on providing reliable factory-level OEM repairs that fully restore the safety, functionality, and appearance of your vehicle. To make your repairs as convenient and stress-free as possible, we also handle the insurance coordination on your behalf. To receive a free estimate or schedule an appointment, contact us today at (707) 591-9909!
