Guide
Your Right to Choose a Body Shop in New York
No, you do not have to use the body shop your insurance company recommends. New York Insurance Law §2610 lets you choose any repair shop, and insurers cannot require you to use a particular one.
What the law says
Under New York Insurance Law §2610, an insurer may not require that repairs be made at a particular shop. Insurers can recommend a shop from their network, but the choice is yours. This guide is general information, not legal advice.
What to do after an accident
- Make sure everyone is safe and call 911 if anyone is hurt
- Take photos of all vehicles, the scene, and the other driver's license, plate, and insurance card
- Report the claim to your insurer and tell them which shop you have chosen
- Get towing to your chosen shop; we offer 24/7 towing
- Send us photos for a free estimate, and we will deal with your insurer directly
Why choosing your own shop matters
Network shops work under agreements with the insurer that pays them. A shop you choose works for you: following OEM repair procedures, using the right parts, and filing supplements when hidden damage is found.
Frequently asked questions
Can my insurer refuse to pay if I pick my own shop?
They cannot require you to use a specific shop. They pay for the reasonable cost of the repair. We work with all carriers and handle the paperwork and supplements.
Will choosing my own shop slow down the claim?
No. We submit estimates and photos to your insurer directly and coordinate the rental car through your coverage.
Get a free estimate
Send photos for a free estimate, or call us. Lifetime warranty on all collision repairs.