How Do Body Shops Work With Car Insurance? 
That is a great question ! Generally , your auto insurance company will have a contract or agreement with a local garage , mechanic , and body shop . They will refer you to them to have your work done . By doing this , they have an agreement with the garages to keep costs under control . Should you choose to use a different mechanic , you are certainly welcome to , but my experience has been that the insurance company is much more difficult to work with . Thanks for asking ! 