Car
When a car accident occurs, one of the first questions drivers ask is: Where should I have my car repaired? This is where authorized repair shops come in—a solution often recommended by insurance companies because of the speed and simplicity of the process, as well as the associated guarantees.
In this comprehensive guide, we explain:
- What are authorized repair shops
- How does the repairs covered by auto insurance
- If it is mandatory to use them
- What are the real benefits for the insured?
- When It Might Make More Sense to Choose an Independent Repair Shop
This article was prepared based on practices in the insurance industry in Portugal and on standard procedures for managing auto insurance claims.
What are authorized repair shops?
Simple definition
Authorized repair shops are auto repair shops that have an agreement with insurance companies to perform repairs on insured vehicles, following defined standards for quality, turnaround times, and costs.
These repair shops are part of the insurance company’s network of repair shops, ensuring:
- Quality Control of Repairs
- Faster response times
- Pre-negotiated costs
- Streamlined Administrative Procedures
- Provision of a replacement vehicle due to vehicle immobilization
If you'd like to better understand how the coverage provided by auto insurance works, you can check out the complete guide on Auto Insurance and Essential Coverage.
For information on the legal framework governing auto insurance in Portugal, you can also consult the information from the Insurance and Pension Funds Supervisory Authority (ASF).
What happens after a car accident?
Typical Procedure Following an Accident
The process following a Auto accident with repairs at an authorized repair shop It usually follows these steps:
- Reporting the claim to the insurance company
- Choosing a repair shop
- Automotive Inspection
- Determination of Liability
- Car Repair
- Vehicle Delivery
You can also view the official recommendations on traffic accidents on the website of the National Road Safety Authority.
How does the process work at an authorized repair shop?
Deductible
The first step is to report the accident to your insurance company as soon as possible. Ideally, you will have already filled out an Amicable Accident Report. If you want to know how to fill one out correctly, see here.
You can participate by:
- Online
- By email
- Through the mediator
- Through the insurance company's app
Automotive Inspection
After participation, the following occurs: automotive inspection, which consists of a technical assessment of the damage.
When the vehicle is sent to an authorized repair shop:
- The inspection can be done directly at the repair shop, or it may be easier to choose a time slot for the inspector's visit
- Digital forensics may be involved
- The process may be faster
Repairs Covered by Auto Insurance
Following the approval of the repairs covered by auto insurance:
- The workshop begins its work
- The insurance company can pay directly
- If there is a delay at the repair shop, the insurance company must provide a replacement vehicle during that time
Benefits of Authorized Repair Shops
Quick Summary
The main advantages of the auto insurance-approved repair shops are:
- Faster repairs
- Less red tape
- Repair Warranty
- Availability of a replacement vehicle during the time the vehicle is out of service, in addition to the repair period
A Speedy Auto Insurance Claims Process
Since there is already a direct relationship between the insurance company and the repair shop:
- Communication is direct
- Approvals are faster
- Processes are standardized
This usually helps reduce the vehicle's downtime after a Auto accident with repairs at an authorized repair shop.
Auto Repair Warranty
A significant advantage of the auto insurance-approved repair shops It is the warranty that comes with the repair.
It usually includes:
- Insurer's Guarantee Regarding the Repair
- Defined Procedures
Am I required to choose an authorized repair shop?
Short answer
No. The customer can choose any repair shop to have the vehicle repaired after a car accident.
This principle is consistent with consumer protection rules and insurance industry practices.
You can also find information about consumer rights on the website of the Directorate-General for Consumer Affairs.
If you choose an approved repair shop, you are limited to the insurer’s network of approved shops, which may not include a shop in your area.
Difference Between an Authorized Repair Shop and an Independent Repair Shop
In practice, the choice depends on whether you prioritize convenience or personal preference.
When might it not be worth using a certified repair shop?
It may make sense to choose a different repair shop when:
- Do you have a mechanic you trust?
- Seeks specific parts
- Do you have a classic car?
- It has a premium vehicle
- Prefers direct supervision
- He lives in an area where there isn't an affiliated repair shop nearby
In these cases, you should confirm the repair conditions for the auto insurance with the mediator.
Frequently Asked Questions About Authorized Repair Shops
Can I choose any repair shop after a car accident?
Yes, you can choose the repair shop that works best for you—whether it’s one of our network partners or a shop of your choice. However, if you choose a shop of your own, you must confirm with the shop that it has availability for the repair.
Are the quality standards of authorized repair shops lower?
No. They usually follow standards set by the insurance company.
Conclusion: When Does It Make Sense to Choose Authorized Repair Shops?
The authorized repair shops are an efficient solution for anyone who wants to:
- Speed of the process
- Less red tape
- Simplified Monitoring
- Additional Guarantees
- When your vehicle is out of service (i.e., not running) and you need a replacement vehicle
In the EXS Insurance, we help clients understand all the options available in the event of car accident, ensuring transparent technical support throughout the process.
