Do I have to repair my car at a designated repair shop when filing an insurance claim?

1 Answers
DeAdam
07/30/25 5:14am
When filing an insurance claim for vehicle damage, you can choose the repair location independently and are not required to use the repair shop designated by the insurance company. Filing a claim: After an accident occurs, preserve the accident scene and immediately report the incident to your vehicle's insurance company. If the third-party damage involves road facilities or another vehicle, you must also report the incident to the traffic police. On-site handling: Insurance company personnel will arrive at the scene and issue a "Survey Report," while the traffic police will arrive and issue an "Accident Determination Certificate." Third-party repairs: If the third party is a non-motor vehicle, it is best to request that the insurance company personnel, during on-site handling, directly agree on a mutually recognized damage assessment price among the three parties (the third party, the insurance company, and the vehicle owner). If the damage cannot be assessed on the spot, request that the insurance company provide a damage assessment price during or after the third-party damage assessment process.
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