Question: Who pays for the repair of my vehicle?

Answer: If the damage to your vehicle is the result of your error and you have comprehensive and /or collision coverage, then your insurance company pays for the repairs (less your deductible). You are responsible for paying the deductible amount directly to the repair facility upon completion of repairs.

If the damage to your vehicle is a result of the error or negligence of someone else, then their insurance company is responsible for paying the full amount of the repair cost.

Question: Can I choose the shop I want to repair my vehicle?

Answer: Yes - who does the repair is entirely your decision. An insurance company may make a recommendation, but they can not require you to take your vehicle to a facility of their choosing.