10 Questions to Ask Before Buying Car Insurance

9. Can I Choose My Own Repair Shop?

Some drivers assume they are locked into using whichever repair shop their insurer recommends after a claim. In most places, you actually have the right to choose your own shop, though your insurer may recommend a shop within their network for convenience or a workmanship guarantee. Ask directly whether you have this choice and what, if anything, changes if you use a shop outside their recommended network, including whether the claims process takes longer or requires additional steps on your part.

If you already have a trusted mechanic or body shop, ask specifically whether using them affects your claim timeline, any warranty on the repair work, or your ability to get a rental car during the process.