Can You Choose Your Own Hail Repair Shop?

The short answer: yes

In almost every state, you have the right to choose who repairs your vehicle. Your insurance company can recommend a shop from its network, but it generally cannot require you to use one. The decision is yours.

Why insurers suggest their own shops

Insurers have agreements with shops in their direct-repair programs. Those shops are convenient for the insurer, but the arrangement is built around the insurer's costs, not necessarily around keeping your factory paint or protecting your resale value.

Why it matters for hail

Hail damage is best fixed with paintless dent repair, which keeps your original paint. A shop chosen mainly for low cost may lean on filler and repainting. Picking a shop that specializes in hail and PDR protects your vehicle's value.

How to use your right

Tell your adjuster you would like to use the shop of your choice. Get a free inspection first, and a good shop will work directly with your insurer on the estimate and any supplement. You do not have to accept the first number or the first shop offered.

Rules vary by state. Confirm your rights with your insurer or your state insurance department.