Q:

What is a Direct Repair Shop Program (DRP)?

A:

While there is a wide variety of programs used by insurers, in general, a DRP is a program through which an insurance company refers insureds to auto body repair shops which have met a set of criteria designed to ensure quality standards of repair, reasonable prices, convenience and satisfaction for the customer.

Q:

Do claimants have to use a repair shop recommended by an insurance company?

A:

No. Under existing law, insurers are prohibited from requiring that an automobile be repaired at a specific repair shop, and from directing, suggesting or recommending a specific repair shop, unless such referral is requested by the claimant, or the claimant is informed in writing of their right to select the repair facility of their choice.

Q:

What is the direct benefit for a claimant who chooses to have a car repaired at an insurance company's referred body shop?

A:

The repairs can begin right away based on the estimate provided by the body shop. Benefits include convenience and cost savings to the claimant who does not have to wait for the company to send out its own adjuster to prepare a separate estimate. Insurance costs are lowered because the insurer can rely on the shop's estimate. The claimant also benefits from the fact that the insurance company guarantees the repair for as long as the insured owns the automobile.

Q:

How does the insured know that the referred body shop is honest and will do quality repair?

A:

Insurance companies regularly inspect body shops that qualify for their preferred referral program. The shop must meet criteria relating to competence and quality of repair, including adequate training of technicians, state of the art repair equipment, prompt service and timely completion of repairs.