After an accident, your insurance company might quickly recommend a shop to handle your repairs. They may call it a “preferred” or “in-network” body shop, implying it’s the best or easiest choice. But what does that really mean?
In most cases, “preferred” simply means that the body shop has a contractual agreement with your insurer. This arrangement, known as a Direct Repair Program (DRP), benefits the insurer by streamlining communication, reducing costs, and speeding up the claims process. That doesn’t automatically make it the best choice for you.
How Preferred Shops Work
Preferred shops agree to follow the insurance company’s repair guidelines, pricing structures, and timelines. In exchange, they receive a steady stream of customer referrals. It can be a win-win—but not always for the customer.
Insurers benefit from controlling costs, often encouraging preferred shops to use aftermarket or salvage parts to keep expenses down. This may be acceptable for cosmetic repairs, but it can affect performance, safety, and resale value if used in structural or safety-critical areas.
Preferred shops may also have limited flexibility in diagnosing or repairing damage that wasn’t approved by the insurer, even if it’s necessary. That means a bent frame or hidden suspension issue could be left off the work order.
Are You Required to Use a Preferred Shop?
Absolutely not. In Ohio and most other states, you have the legal right to choose where your car is repaired. Insurance companies cannot require you to use a specific shop.
If your insurer tries to persuade you otherwise, it may border on illegal “steering.” Learn more about that in our post on Collision Repair Insurance Claims Process for basic info on how to file a claim.
Pros of Using a Preferred Shop
- Faster approvals and streamlined paperwork
- May include insurer-backed warranties
- Coordination between insurer and shop can reduce friction
Cons of Using a Preferred Shop
- Potential use of lower-quality parts
- Limited repair scope under insurer guidelines
- Loyalty to insurer, not the customer
- Possible delays if insurer approval is required for each repair step
As outlined by Cline Collision Center, shops in DRPs may feel pressure to get repairs done cheaply and quickly—not necessarily thoroughly.
Lawyer1.com also notes that shops dependent on insurer referrals may prioritize that relationship over your best interests.
How to Make the Best Choice
If you’re unsure about whether to use a recommended shop, consider getting a second opinion. Use these actionable steps to evaluate your options:
1. Ask Direct Questions:
- Will you use OEM (original equipment manufacturer) parts or aftermarket ones?
- What certifications do your technicians have (I-CAR Gold Class, ASE)?
- Is your work covered by a written warranty?
- Can I review a sample estimate or walk through the work plan?
2. Compare Estimates:
Get a second or even third estimate. Look for discrepancies in parts pricing, labor hours, or the scope of repairs. A good shop will take time to explain the differences.
3. Check for Certifications and Reputation:
- Look for I-CAR Gold Class, OEM certifications, and BBB ratings.
- Read reviews on platforms like RepairPal or Carwise.
- Call and ask how they handle insurance claims—do they advocate for the customer or the insurer?
4. Evaluate Communication:
A quality shop should be upfront, responsive, and transparent. If it’s hard to get straight answers before the work starts, it won’t get easier afterward.
Our guide to OEM vs. Aftermarket Parts explains why this matters more than many people think.
Know Your Rights
- In Ohio, insurers cannot force or coerce you into using a certain repair facility.
- If you believe you’ve been misled or pressured, file a complaint with the Ohio Department of Insurance.
- Keep records of all conversations and repair estimates. Documentation helps if disputes arise.
The Bottom Line
Preferred doesn’t always mean best. It means convenient—for your insurance company.
You deserve to choose a shop that prioritizes your safety, your car’s long-term value, and your satisfaction. At Newark Autobody, we work with insurance companies, but for you. Always.
If you have questions about your claim or want a second opinion, give us a call. We’ll help you understand your options and make the choice that works best for you.
Ohio Drivers: Contact Newark Autobody for Your Winter Car Autobody maintenance
Newark Autobody Collision and Glass
977 Mount Vernon Road
Newark, Ohio 43055
Phone: (740) 899-4111
Fax: (740) 888-3500