Discussions

After a recent accident, my insurance company suggested a few repair shops, but I’m not sure if I have to use them. How does auto insurance actually work with body shops, and what should I know before approving repairs?
Dealing with auto insurance can feel confusing, especially when you’re also trying to find a trustworthy Body Shop Riverside to repair your vehicle. The key thing to understand is that, in most cases, you have the right to choose where your car is repaired even if your insurer recommends a specific shop.
Insurance companies often work with “preferred” or “direct repair” shops. These shops can be convenient, but convenience shouldn’t be your only deciding factor. It’s important to focus on repair quality, communication, and whether the shop stands behind its work. Always ask for a detailed, written estimate and make sure it matches what the insurance adjuster approved.
Another useful tip is to understand the difference between original equipment manufacturer (OEM) parts and aftermarket parts. Some insurance policies default to aftermarket parts to reduce costs. If OEM parts matter to you, ask your insurer and the body shop what options are available and whether there’s any additional cost.
Good communication makes the entire process smoother. A reliable body shop will help coordinate with your insurance company, explain what’s covered, and keep you updated on repair progress. If a shop avoids questions or rushes you into decisions, that’s a warning sign.
In the end, the best repairs happen when the shop works for you not just the insurance company. Choosing a professional Riverside Auto Body Shop ensures your car is repaired correctly, safely, and with your long-term interests in mind.