A: MOST INSURANCE COMPANIES HAVE REPAIR CONTRACTS WITH BODY SHOPS IN YOUR AREA. CHOOSING THE INSURANCE COMPANY’S REPAIR SHOP HAS BENEFITS FOR THE INSURANCE COMPANY, WHICH HAS NEGOTIATED LOWER LABOR AND MATERIAL RATES, AS WELL AS PARTS DISCOUNTS WITH THOSE SHOPS. INSURANCE COMPANY CLAIMS REPRESENTATIVES ARE GIVEN SET GOALS. IN GENERAL, COMPANIES WOULD LIKE TO SEE AT LEAST 40 PERCENT OF THEIR CLAIMS GO TO THEIR DIRECT REPAIR SHOPS. NO BODY SHOP CAN HOLD CONTRACTS WITH ALL INSURANCE COMPANIES. IF THE SHOP YOU CHOSE ISN'T ON THE INSURANCE COMPANY’S LIST, IT DOESN’T MAKE THEM A POOR CHOICE. YOUR SHOP DOESN'T HAVE TO BE ON YOUR INSURANCE COMPANY’S DIRECT REPAIR LIST IN ORDER TO REPAIR YOUR CAR PROFESSIONALLY AND EFFICIENTLY. A REPUTABLE BODY SHOP WILL WORK WITH ANY INSURANCE COMPANY TO RESTORE YOUR VEHICLE TO THE CONDITION IT WAS IN PRIOR TO YOUR ACCIDENT AND PROVIDE A LIFETIME WARRANTY ON REPAIRS. IF YOU HAVE CHOSEN YOUR OWN REPAIR SHOP, CLAIMS REPRESENTATIVES WILL FREQUENTLY TRY TO SWAY YOU AWAY FROM YOUR DECISION. THESE ILLEGAL SCARE TACTIC’S ARE OFTEN REFERRED TO AS “STEERING”.
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