Do You Have to Use the Insurer's Preferred Repair Shop in Alberta?
After a car accident, one of the first things your insurer will tell you is where to take your vehicle for repairs—usually to one of their "preferred" or "approved" repair shops. It might sound convenient, but what most drivers don't realize is that you are not legally required to use the insurer's chosen shop.
While these facilities often have arrangements with insurance companies for faster processing, they don't always work in your best interest. The goal of the insurer is to control costs, not necessarily to ensure your car is repaired with the highest-quality parts or methods.
As Alberta insurance claim lawyers who once defended insurers, we know exactly how these programs work—and how to protect your rights as a vehicle owner.
This guide explains:
What Are 'Preferred' or 'Approved' Repair Shops?
Insurance companies create networks of preferred repair shops that agree to certain pricing, processes, and service standards. In exchange, these shops receive referrals from the insurer.
How preferred shops work:
Do You Have to Use the Insurer's Shop in Alberta?
No. Alberta law does not require you to use an insurer's preferred repair facility. You have the legal right to choose where your vehicle is repaired.
Your Right to Choose
Insurers can suggest shops but cannot force or penalize you for choosing your own.
Notification Requirements
You should notify your insurer before repairs begin and ensure detailed estimates are provided.
Direct Communication
You can communicate directly with your insurer about repair costs and methods.
Key point: You have the right to choose a repair shop. Documentation and communication are critical for a smooth process.
Steps to Take If You Want to Choose Your Own Repair Shop
If you decide to use your own repair facility, follow these steps to protect your rights and ensure a smooth process:
Get a Written Estimate
Have your chosen shop prepare a detailed quote before starting work.
Notify Your Insurer
Inform them that you're selecting a different repair facility. They must still process your claim.
Request a Claims Adjuster Inspection
Your insurer may send an adjuster to verify the damage before authorizing payment.
Keep All Documentation
Save every estimate, invoice, and photo of the damage.
Ask About OEM Parts
Ensure your shop uses manufacturer-approved components whenever possible.
Get a Repair Guarantee in Writing
Many independent shops offer warranties on workmanship and parts.
Contact a Lawyer if the Insurer Delays Payment
Insurers must act in good faith and cannot punish you for exercising your choice.
How a Lawyer Helps With Repair and Insurance Disputes
An experienced insurance lawyer can protect your rights and ensure you receive fair treatment when dealing with repair disputes.
Enforcing Your Rights
Ensuring the insurer honours your repair choice.
Challenging Unfair Delays
Pressuring insurers to release payment promptly.
Resolving Part or Quality Disputes
Demanding OEM parts or proper repairs when required.
Protecting Against "Bad Faith" Practices
Insurers must handle claims fairly under Alberta law.
Negotiating Settlements
Covering out-of-pocket repair costs, loss of vehicle use, and diminished value.
Frequently Asked Questions
Conclusion
After a car accident, you have the right to choose where your vehicle is repaired—**not your insurer**. Preferred repair shops may be convenient, but they exist to save insurers money, not necessarily to protect your interests. Always put quality, safety, and transparency first.
Alberta law allows you to choose your own repair shop.
Insurers cannot deny or delay your claim for using a non-preferred facility.
Documentation and communication are critical for a smooth process.
A lawyer can step in if your insurer pressures you, delays payment, or uses substandard parts.
Having issues with your insurer or repairs? Contact us today for a free consultation.
Contact us today for a free consultation. No fee unless we win.