After a car accident, the insurance process can feel confusing—especially when your insurer suggests or “recommends” a specific body shop. Many drivers assume they are required to use that shop in order for repairs to be covered.
In Massachusetts, that’s a common misconception.
You Have the Right to Choose Your Body Shop
Massachusetts law allows vehicle owners to choose their own repair facility, regardless of insurance company recommendations. While insurers may suggest preferred shops, the final decision is always yours.
This is an important right, especially when the quality and safety of repairs are involved.
Why Insurance Companies Recommend Certain Shops
Insurance companies often work with a network of “preferred” body shops. These relationships are typically based on:
- Pre-negotiated labor rates
- Faster claim processing
- Cost-control agreements
While many preferred shops perform acceptable work, their priority may be meeting insurance cost guidelines rather than focusing exclusively on long-term repair quality.
What Can Go Wrong With the Wrong Shop Choice
Choosing a shop based solely on an insurance recommendation can sometimes result in:
- Aftermarket or recycled parts instead of OEM
- Rushed repairs
- Incomplete inspections for hidden damage
- Missed calibration of sensors and safety systems
Modern vehicles rely heavily on advanced driver assistance systems (ADAS), which must be properly inspected and calibrated after even minor accidents.
What to Look for in a Body Shop Instead
When choosing a repair facility, focus on the shop’s capabilities—not the insurer’s preference list. A qualified body shop should:
- Perform complete damage inspections
- Use manufacturer-approved repair procedures
- Handle insurance communication on your behalf
- Stand behind their work
At Total Care Accident Repair, we work with all major insurance companies while advocating for proper, safe repairs. Our priority is restoring your vehicle—not cutting corners.
Will Choosing Your Own Shop Delay the Claim?
In most cases, no. Reputable body shops regularly work with insurers and manage the claim process for you. Choosing your own shop does not delay repairs or jeopardize coverage when handled properly.
Make an Informed Decision After an Accident
An accident is stressful enough without uncertainty about repairs. Understanding your rights helps you make a confident decision that protects your vehicle and your safety.
If you’ve been in an accident and have questions about your repair options, contact Total Care Accident Repair for a no-obligation estimate.
We’ll explain your choices clearly and help you move forward with confidence.
