{"id":1577,"date":"2022-02-08T11:58:29","date_gmt":"2022-02-08T11:58:29","guid":{"rendered":"https:\/\/exs.suba-agency.com\/?p=1577"},"modified":"2026-06-26T14:33:20","modified_gmt":"2026-06-26T14:33:20","slug":"authorized-repair-shops-what-are-they-and-what-are-the-benefits-in-the-event-of-a-car-accident","status":"publish","type":"post","link":"https:\/\/exs.pt\/en\/blog\/authorized-repair-shops-what-are-they-and-what-are-the-benefits-in-the-event-of-a-car-accident\/","title":{"rendered":"Approved Repair Shops: What They Are and What the Benefits Are in the Event of a Car Accident"},"content":{"rendered":"<p>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\u2014a solution often recommended by insurance companies because of the speed and simplicity of the process, as well as the associated guarantees.<\/p>\n<p>In this comprehensive guide, we explain:<\/p>\n<ul>\n<li>What are\u00a0<strong>authorized repair shops<\/strong><\/li>\n<li>How does the\u00a0<strong>repairs covered by auto insurance<\/strong><\/li>\n<li>If it is mandatory to use them<\/li>\n<li>What are the real benefits for the insured?<\/li>\n<li>When It Might Make More Sense to Choose an Independent Repair Shop<\/li>\n<\/ul>\n<p>This article was prepared based on practices in the insurance industry in Portugal and on standard procedures for managing auto insurance claims.<\/p>\n<h3>What are authorized repair shops?<\/h3>\n<h4>Simple definition<\/h4>\n<p><strong>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.<\/strong><\/p>\n<p>These repair shops are part of the insurance company\u2019s network of repair shops, ensuring:<\/p>\n<ul>\n<li>Quality Control of Repairs<\/li>\n<li>Faster response times<\/li>\n<li>Pre-negotiated costs<\/li>\n<li>Streamlined Administrative Procedures<\/li>\n<li>Provision of a replacement vehicle due to vehicle immobilization<\/li>\n<\/ul>\n<p>If you'd like to better understand how the coverage provided by auto insurance works, you can check out the complete guide on\u00a0<a href=\"https:\/\/exs.pt\/en\/car-insurance\/\" target=\"_blank\" rel=\"noopener\">Auto Insurance and Essential Coverage<\/a>.<\/p>\n<p>For information on the legal framework governing auto insurance in Portugal, you can also consult the information from the\u00a0<a href=\"https:\/\/www.consumidor.asf.com.pt\/seguro-autom%C3%B3vel-1\" target=\"_blank\" rel=\"noopener\">Insurance and Pension Funds Supervisory Authority (ASF)<\/a>.<\/p>\n<p><img decoding=\"async\" title=\"Authorized Repair Shops\" src=\"https:\/\/admin.exs.pt\/uploads\/oficinas02_fc1b666f49.webp\" alt=\"Authorized Repair Shops\" \/><\/p>\n<h3>What happens after a car accident?<\/h3>\n<h4>Typical Procedure Following an Accident<\/h4>\n<p>The process following a\u00a0<strong>Auto accident with repairs at an authorized repair shop<\/strong>\u00a0It usually follows these steps:<\/p>\n<ol>\n<li>Reporting the claim to the insurance company<\/li>\n<li>Choosing a repair shop<\/li>\n<li><strong>Automotive Inspection<\/strong><\/li>\n<li>Determination of Liability<\/li>\n<li>Car Repair<\/li>\n<li>Vehicle Delivery<\/li>\n<\/ol>\n<p>You can also view the official recommendations on traffic accidents on the website of the\u00a0<a href=\"http:\/\/www.ansr.pt\/Pages\/default.aspx\" target=\"_blank\" rel=\"noopener\">National Road Safety Authority<\/a>.<\/p>\n<h3>How does the process work at an authorized repair shop?<\/h3>\n<h4>Deductible<\/h4>\n<p>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\u00a0<a href=\"https:\/\/www.apseguradores.pt\/pt\/ferramentas\/formul%C3%A1rios\/daaa-declara%C3%A7%C3%A3o-amig%C3%A1vel\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/p>\n<p>You can participate by:<\/p>\n<ul>\n<li>Online<\/li>\n<li>By email<\/li>\n<li>Through the mediator<\/li>\n<li>Through the insurance company's app<\/li>\n<\/ul>\n<h4>Automotive Inspection<\/h4>\n<p>After participation, the following occurs:\u00a0<strong>automotive inspection<\/strong>, which consists of a technical assessment of the damage.<\/p>\n<p>When the vehicle is sent to an authorized repair shop:<\/p>\n<ul>\n<li>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<\/li>\n<li>Digital forensics may be involved<\/li>\n<li>The process may be faster<\/li>\n<\/ul>\n<h4>Repairs Covered by Auto Insurance<\/h4>\n<p>Following the approval of the\u00a0<strong>repairs covered by auto insurance<\/strong>:<\/p>\n<ul>\n<li>The workshop begins its work<\/li>\n<li>The insurance company can pay directly<\/li>\n<li>If there is a delay at the repair shop, the insurance company must provide a replacement vehicle during that time<\/li>\n<\/ul>\n<p><img decoding=\"async\" title=\"Authorized Repair Shops\" src=\"https:\/\/admin.exs.pt\/uploads\/oficinas04_f51ca4da24.webp\" alt=\"Authorized Repair Shops\" \/><\/p>\n<h3>Benefits of Authorized Repair Shops<\/h3>\n<h4>Quick Summary<\/h4>\n<p>The main advantages of the\u00a0<strong>auto insurance-approved repair shops<\/strong>\u00a0are:<\/p>\n<ul>\n<li>Faster repairs<\/li>\n<li>Less red tape<\/li>\n<li>Repair Warranty<\/li>\n<li>Availability of a replacement vehicle during the time the vehicle is out of service, in addition to the repair period<\/li>\n<\/ul>\n<h4>A Speedy Auto Insurance Claims Process<\/h4>\n<p>Since there is already a direct relationship between the insurance company and the repair shop:<\/p>\n<ul>\n<li>Communication is direct<\/li>\n<li>Approvals are faster<\/li>\n<li>Processes are standardized<\/li>\n<\/ul>\n<p>This usually helps reduce the vehicle's downtime after a\u00a0<strong>Auto accident with repairs at an authorized repair shop<\/strong>.<\/p>\n<h4>Auto Repair Warranty<\/h4>\n<p>A significant advantage of the\u00a0<strong>auto insurance-approved repair shops<\/strong>\u00a0It is the warranty that comes with the repair.<\/p>\n<p>It usually includes:<\/p>\n<ul>\n<li>Insurer's Guarantee Regarding the Repair<\/li>\n<li>Defined Procedures<\/li>\n<\/ul>\n<h3>Am I required to choose an authorized repair shop?<\/h3>\n<h4>Short answer<\/h4>\n<p><strong>No. The customer can choose any repair shop to have the vehicle repaired after a car accident.<\/strong><\/p>\n<p>This principle is consistent with consumer protection rules and insurance industry practices.<\/p>\n<p>You can also find information about consumer rights on the website of the\u00a0<a href=\"https:\/\/www.consumidor.gov.pt\/\" target=\"_blank\" rel=\"noopener\">Directorate-General for Consumer Affairs<\/a>.<\/p>\n<p>If you choose an approved repair shop, you are limited to the insurer\u2019s network of approved shops, which may not include a shop in your area.<\/p>\n<h3>Difference Between an Authorized Repair Shop and an Independent Repair Shop<\/h3>\n<p><img decoding=\"async\" title=\"Difference Between an Authorized Repair Shop and an Independent Repair Shop\" src=\"https:\/\/admin.exs.pt\/uploads\/tabela_b4fd8e4e3a.webp\" alt=\"Difference Between an Authorized Repair Shop and an Independent Repair Shop\" \/><\/p>\n<p>In practice, the choice depends on whether you prioritize convenience or personal preference.<\/p>\n<p><img decoding=\"async\" title=\"Authorized Repair Shops\" src=\"https:\/\/admin.exs.pt\/uploads\/oficinas03_7253314daa.webp\" alt=\"Authorized Repair Shops\" \/><\/p>\n<h3>When might it not be worth using a certified repair shop?<\/h3>\n<p>It may make sense to choose a different repair shop when:<\/p>\n<ul>\n<li>Do you have a mechanic you trust?<\/li>\n<li>Seeks specific parts<\/li>\n<li>Do you have a classic car?<\/li>\n<li>It has a premium vehicle<\/li>\n<li>Prefers direct supervision<\/li>\n<li>He lives in an area where there isn't an affiliated repair shop nearby<\/li>\n<\/ul>\n<p>In these cases, you should confirm the repair conditions for the\u00a0<strong>auto insurance<\/strong>\u00a0with the mediator.<\/p>\n<h3>Frequently Asked Questions About Authorized Repair Shops<\/h3>\n<h5><strong>Can I choose any repair shop after a car accident?<\/strong><\/h5>\n<p>Yes, you can choose the repair shop that works best for you\u2014whether it\u2019s 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.<\/p>\n<h4><strong>Are the quality standards of authorized repair shops lower?<\/strong><\/h4>\n<p>No. They usually follow standards set by the insurance company.<\/p>\n<p>Conclusion: When Does It Make Sense to Choose Authorized Repair Shops?<\/p>\n<p>The\u00a0<strong>authorized repair shops<\/strong>\u00a0are an efficient solution for anyone who wants to:<\/p>\n<ul>\n<li>Speed of the process<\/li>\n<li>Less red tape<\/li>\n<li>Simplified Monitoring<\/li>\n<li>Additional Guarantees<\/li>\n<li>When your vehicle is out of service (i.e., not running) and you need a replacement vehicle<\/li>\n<\/ul>\n<p>In the\u00a0<strong>EXS Insurance<\/strong>, we help clients understand all the options available in the event of\u00a0<strong>car accident<\/strong>, ensuring transparent technical support throughout the process.<\/p>","protected":false},"excerpt":{"rendered":"<p>Quando ocorre um sinistro autom\u00f3vel, uma das primeiras d\u00favidas dos condutores \u00e9: onde devo reparar o carro? \u00c9 neste contexto que surgem as oficinas convencionadas, uma<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":1578,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[19,10],"tags":[],"class_list":["post-1577","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-automovel","category-veiculos"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Oficinas Convencionadas: \u2028O Que S\u00e3o e Quais as Vantagens em Caso de Sinistro Autom\u00f3vel - EXS Seguros<\/title>\n<meta name=\"description\" content=\"Saiba o que s\u00e3o oficinas convencionadas e quais as vantagens em caso de sinistro autom\u00f3vel. 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