Common Myths About Choosing a Collision Repair Shop

After an accident, you'll likely receive advice from many different people. Unfortunately, some of the most common things consumers hear are misunderstandings about the collision repair process.

Here are a few of the most common myths, and the facts behind them.

Myth #1: "I have to use the repair shop my insurance company recommends."

Fact: In Montana, you have the right to choose the collision repair facility that repairs your vehicle. While your insurance company may recommend or provide a list of repair shops, the final decision belongs to you.

Choose the shop you believe will provide the quality, communication, and service you expect.

Myth #2: "If I choose my own shop, my insurance company won't pay."

Fact: Choosing a repair facility does not automatically change your insurance coverage. If the repairs are covered under your policy, your insurer generally remains responsible for paying covered damages according to your policy terms, regardless of which qualified repair facility you choose.

If you have questions about coverage or payment, ask your adjuster to explain your policy.

Myth #3: "A preferred shop always performs better repairs."

Fact: There are many outstanding repair facilities, both inside and outside insurance company networks.

Rather than focusing on whether a shop is "preferred," consider asking about:

Technician training
I-CAR credentials
OEM certifications
Repair procedures
Equipment
Customer reviews
Warranty
Communication

Choose the shop that gives you confidence in the repair process.

Myth #4: "If the damage looks minor, it probably is."

Fact: Modern vehicles are designed to absorb crash energy. Damage beneath the surface may not be visible until the vehicle is disassembled.

Hidden damage can involve structural components, sensors, wiring, or advanced driver assistance systems (ADAS).

A thorough inspection helps identify damage that cannot be seen from the outside.

Myth #5: "All replacement parts are the same."

Fact: Replacement parts may include:

OEM (Original Equipment Manufacturer)
Aftermarket
Salvage (LKQ)
Remanufactured

Each type has different characteristics. Ask your repair facility to explain what parts are being used and why they were selected for your repair.

Myth #6: "The insurance company's first offer is final."

Fact: Whether you're repairing your vehicle or settling a total loss, you can ask questions, review the documentation, and discuss any concerns if you believe information is inaccurate or incomplete.

Understanding the valuation or repair estimate helps you make informed decisions.

Myth #7: "Collision repair is just replacing parts and painting."

Fact: Today's repairs often include:

Computer diagnostics
Vehicle scanning
Structural repairs
Electronic calibrations
Sensor verification
Manufacturer repair procedures
Safety system testing

Modern collision repair is highly technical and requires specialized training and equipment.

Knowledge Gives You Confidence

The more you understand about the repair process, the better prepared you'll be to make informed decisions.

Don't be afraid to ask questions.

A reputable repair facility should be willing to explain your options, your repair plan, and the reasoning behind its recommendations.