Some insurance companies try to push you to use a specific repair shop, this is called steering. They say carefully worded phrases to avoid conflicting with Texas rules and to scare customers into thinking they won’t receive payment for their claim.
Furthermore, some insurance companies may have ownership in the repair shop they recommend. Some pay bonuses to employees for sending customers to specific repair shops.
By law, insurance companies cannot tell customers where to go for repairs. The Texas Department of Insurance Bill of Rights lists regulations for auto insurance claims.
“By law, you have the right to select where your motor vehicle is repaired and the parts used for repairs. However, an insurance company is not required to pay more than a reasonable amount for such repairs and parts,” states The Texas Department of Insurance.