Many companies will allow you to choose a repair shop. However, if you select a repair shop that charges a labor rate greater than the one allowed by your insurer, the difference may come out of your pocket. If you don’t want to pay the difference, the company will then steer you to a shop that will do the work for their allowable rate. If you prefer to do business with the repair shop of your choice, including your dealership or a specialty shop, look for a company that honors your selection and pays for it.