Do I have to use the repair shop selected by my insurance company?

Depending on the state you live in, insurance companies may be able to tell you which repair shop they prefer to use. You still have the option of using another facility if you wish, but the insurance company will not pay for charges above the estimate given by their preferred repair center. In this case, the insurance company may have a contract of service with a designated repair shop to offer repairs are reduced rates over competing centers.

On the other hand, if you feel that your insurance is sending you to a location which is over charging or presenting substandard repairs, you also have the option of requesting estimates for comparison. In many regions, the insurance company may require you to gather 1 to 3 estimates before they will settle the claim, allowing them to narrow the claim value do to what your own estimates show as opposed to a general repair appraisal.

Insurance companies cannot force you to use any repair facility you do not want to use. They may give you a set settlement amount and refuse to pay for repairs exceeding that claim, but you have the ultimate choice of who works on your car.