Do I Have to Use the Body Shop My Insurance Recommends?

After an accident, it's common for an insurance adjuster to steer you toward a shop in their "preferred" or "direct repair" network. What many drivers don't realize is that the choice of repair facility is entirely yours — not the insurer's.

You have the right to choose

In Illinois and across the country, you cannot be required to use a specific shop as a condition of your claim. Preferred networks exist to save the insurer money, which can sometimes mean pressure to cut corners or use cheaper parts. When you choose your own shop, you choose who's accountable for the quality and safety of the repair.

Why it matters

• The repairer works for you, not the insurance company.
• You can insist on OEM (original manufacturer) parts where appropriate.
• A shop you trust will document hidden damage and fight for a complete repair.
• Your safety systems (airbags, sensors, structure) are restored to factory spec.

How C-Auto helps

We work with every major insurance company and handle the estimate, supplements, and approvals on your behalf — so you get the convenience of a network shop with the accountability of an independent one. Bring us your claim number and we'll take it from there.