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Your repair rights in Texas
Texas law gives you the right to choose your repair shop — even when insurance is involved.
What the law says about your repairs
Texas law gives vehicle owners the right to choose their repair shop. Insurance providers may recommend shops, but they cannot require you to use a specific facility.
Texas law gives you clear protections when it comes to collision repair — protections many drivers don’t even know exist. You have the legal right to choose where your vehicle is repaired, how it’s repaired, and what parts are used, regardless of where your insurance company tries to steer you.
Insurance providers may recommend their “preferred” shops, but legally, the choice is yours. No insurer can deny your claim, delay your repair, or reduce your coverage simply because you selected a repair facility that you trust.
At Total Collision Solutions, we follow OEM repair procedures, use professional equipment, and advocate for the safest, most accurate repair for your vehicle — not the cheapest option for the insurance company. Our responsibility is to you, and your repair rights are always protected.
Know what matters most after an accident
The road ahead looks different after a collision. Understanding your position in the repair process gives you control when everything feels uncertain. We've laid out the essentials so you can move forward with confidence.
You Choose
the Repair Shop
Texas law gives you the right to choose where your vehicle is repaired. Insurance companies may recommend a shop, but the final decision is always yours.
You’re Entitled to
OEM-Compliant Repairs
Your vehicle must be repaired using proper manufacturer procedures and safe parts. You don’t have to accept shortcuts, unsafe materials, or cost-cutting alternatives.
You Have a Right to a
Complete Estimate
Damage isn’t always visible upfront. You’re entitled to a full estimate — including supplements after teardown — and the insurer must review and honor necessary repairs.
What you need to know now
Every decision made about your vehicle should be yours to make. We're here to ensure that happens.
Dimished Value
Even after quality repairs, a vehicle with an accident history may lose resale value. This is commonly referred to as diminished value. If you were not at fault, you may be eligible to pursue a diminished value claim. Total Collision Solutions helps document repairs to support conversations with insurers regarding potential compensation.
Appraisals
You’re entitled to repair documentation such as photos, part information, and measurements. If you disagree with an insurer’s estimate, you may request an independent appraisal. Total Collision Solutions provides clear repair documentation to support accurate evaluations and informed decision-making.
Questions
Find clear answers about your repair rights and what comes next.
In many cases, you can choose the repair shop you trust. An insurer may recommend a preferred shop, but you can request repairs at your chosen facility—subject to your policy terms and the claim process.
It’s common for hidden damage to appear after teardown. If that happens, we document the findings with photos and repair notes and submit a supplemental request for review. We’ll explain any changes and keep you informed as the claim is updated.
Ask for a clear breakdown of repairs performed, parts used (when applicable), and any workmanship warranty provided. A quality repair should restore safety, fitment, and finish—and the shop should be able to explain what was repaired and why.
Insurance companies typically use their own estimating process. If you disagree with an estimate, options may include a re-inspection, providing additional documentation, or an appraisal process if your policy allows. We can supply repair documentation to support the review.
If a claim is denied or delayed, ask your insurer for the specific reason and what documentation is needed. We can provide repair documentation (photos and findings) that may help support next steps with the carrier.
Need more guidance?
Reach out to our team in Keller, Texas.
We're here to help you
Get answers about your rights and next steps