Consumer Rights & Repair Choices

Understanding Your Rights as a Vehicle Owner

Vehicle owners have choices during the collision repair process. Understanding those choices helps you stay informed and in control of how your vehicle is repaired.

This section provides general information and is not intended as legal advice.

Right to Choose a Repair Facility

In Texas, vehicle owners generally have the right to choose where their vehicle is repaired. You are not required to use a repair facility suggested by an insurance company.

Choosing a repair facility that aligns with your expectations allows you to prioritize repair quality, communication, and process transparency.

Factory Repair Procedures & Safety

Vehicle manufacturers publish repair procedures designed to restore safety and performance. These procedures exist because vehicle structures, materials, and systems are engineered to work together.

Understanding the role of factory repair procedures helps explain why certain repairs are necessary and why shortcuts can create long-term issues.

Options When Disputes Arise

If challenges occur during the repair process, customers may have options available depending on their situation, including:

  • Paying for certain repairs out of pocket
  • Seeking guidance from an attorney
  • Invoking the appraisal clause outlined in many insurance policies

We explain these options in general terms and, when appropriate, may provide referrals based on customer experience. The decision always remains with the vehicle owner.

Texas Department of Insurance (TDI) Resources

The Texas Department of Insurance provides consumer resources that outline general rights and responsibilities related to insurance claims.

We encourage customers to review these resources so they feel informed throughout the process.

Making Informed Decisions

The collision repair process doesn’t have to feel overwhelming. Clear information and honest communication can make a significant difference.

If you have questions at any stage of the process, we’re here to help explain your options.