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Do I have to use my insurer's body shop for repairs?
No, your car insurance company cannot force you to have your car repaired at a specific repair shop. However, it may recommend a "direct repair shop" because it receives discounts for the shop's services. Many insurers have networks of designated repair shops that can provide you with a faster and seamless claims process. If you accept the insurer's recommendation for a specific shop, you'll have less paperwork to handle.
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