Learn these phrases most often used by insurers to deceive consumers:

“You will have to pay more if you go to the shop of your choice.”

Your insurance company is mandated by the State of Tennessee to pay all reasonable and customary charges.

“We won’t warranty the repair if you go there.”

Icon Collision has a Lifetime warranty on all repairs. The insurance company will simply pressure the preferred shop to redo the repairs. They do not actually warranty anything.

“If you go to our network shop we will warranty the repairs for as long as you own the car.”

Insurers don’t repair cars, so how can the company do a warranty repair.  Icon Collision has a Lifetime warranty on all repairs as do most other reputable body shops..

“We can’t give you a rental if you use them.”

If you have a rental policy, they have to give you what your policy states by law. If you are a claimant, they have to provide a rental by law as well.

“They won’t agree with our appraiser.”

Appraisers are not repair professionals. Our staff of professionals will determine your damage and show the insurance company what is needed to repair your vehicle back to pre loss condition. 

“We have had a hard time with that shop/ We can’t work with that shop.”

Typically means the shop is reputable to the point that it refuses to cut corners and keep information from you, the vehicle owner.  These are the shops consumers should “prefer”.

“They are not on our preferred list.”

Preferred” means the insurance company “prefers” you use a shop that has signed an agreement to pre-negotiate your repairs by giving the insurer discounts, using inferior parts, and possibly not doing all necessary processes to repair your vehicle properly.  Many of these shops will admit that the insurer is the real customer because they are “paying the bill”.  That is YOUR money!

“If you go to a non-preferred shop your repair will be delayed waiting for our adjuster to inspect the vehicle.”

Delays are the insurer’s issue and should not be your problem.  Tennessee insurance regulations state insurers must respond within a reasonable amount of time.  This is simply another tactic to “encourage” you to use a “preferred” shop that benefits the insurer and not you.

“If you go to our shop we can pay them directly and it will be faster.”

It is your money. The check should come to you and you will have control of the repair. Do not pay any shop until you are happy with the repairs.

"(Our customers) may take their vehicles to the shop of their choice"
Taken from the Nationwide website February 21, 2011

"You can choose any repair shop for your repair work"
Taken from the Geico website February 21, 2011

"You can select your own repair shop"
Taken from the Progressive website February 21, 2011


"You are always free to choose the repair facilities that you prefer"
Taken from the State Farm website February 21, 2011