Under Pennsylvania insurance regulations, an insurance company cannot require that an automobile be repaired at a specific repair shop.
However, an insurance company can recommend that an automobile be repaired at a specific repair shop under certain conditions:
- If an insurance company recommends a particular repair shop, it must do so in writing.
- The written disclosure must inform the consumer of the right to select the repair shop.
- If a consumer agrees to use an insurance company recommended repair shop, the insurance company must restore the damaged vehicle to its condition prior to the accident or loss.
- The insurance company must stand behind the repairs if the vehicle is not repaired properly by the recommended auto repair shop.
- A consumer cannot be required to travel an unreasonable distance to obtain a repair estimate or to have an automobile repaired at a specific repair shop.
If the vehicle is repaired in a shop chosen by the consumer, then the insurance company must pay the reasonable costs to repair the vehicle in a workmanlike manner. If the consumer’s chosen shop charges more than the reasonable costs, then the consumer may be responsible for these additional expenses.
Auto Body Repair Shops and non standard auto policies.