It’s important to make sure you understand what your car accident repair rights and responsibilities are in your state. In most states across the country, you do not legally have to use the body shop your insurer recommends. Generally, you also have the right to expect the following from your insurance company: A timely and transparent explanation of the coverage decision A clear explanation of how your claim will be paid Timely payments and answers to your questions Keep in mind that what’s required of you also varies by state, including how to get an estimate for repairs and how long you have to get your car fixed after an accident.