Can an auto insurer require repairs to be made at a specific repair shop?

An auto insurer generally cannot require repairs to be made at a specific repair shop. Policyholders have the right to choose where they want their vehicle repaired, and most insurance policies reflect this flexibility. Insurers often provide a list of preferred repair shops that have established relationships with them and may offer benefits such as warranty guarantees on repairs or expedited service. However, the ultimate decision on where to have the repairs done lies with the policyholder.

This is designed to protect the rights of consumers and ensure they have the freedom to select a repair facility that they trust or feel comfortable with. If the insurer's policy states that they recommend certain repair shops for convenience or cost reasons, it is not the same as mandating that repairs must occur there. Thus, the assertion that an auto insurer can impose such a requirement is inaccurate.