DIRECT INSURANCE REPAIR VS INDEPENDENT COLLISION CENTRE — WHAT’S THE DIFFERENCE?

When a claim is filed, most insurance companies recommend one of their “preferred” or “direct repair” shops. Many drivers assume that means it’s the best or fastest option — but what insurers don’t explain is how the repair relationship changes depending on who the shop actually works for.

This article breaks down how a Direct Insurance Repair Shop differs from an Independent Collision Centre, and why the choice matters more than people realize.

What Is a Direct Insurance Repair Shop?

A Direct Repair Program (DRP) shop is contracted by the insurance company.
Because of that relationship, they follow insurer rules on:

• Part selection

• Labour time limits

• Repair methods

• Material allowances

• Billing structure

Their priority is meeting insurance cost targets — not necessarily premium repair quality.

This is why DRP shops often default to:

• Aftermarket parts

• Used (recycled) parts

• Lower labour times

• Minimal teardown before approval

What Is an Independent Collision Centre?

An independent collision centre does not work under insurance cost agreements. They work for you, the vehicle owner, not the insurer. That gives them flexibility to:

✅ Request OEM parts when safety or warranty is affected
✅ Perform proper tear-downs before estimating
✅ Document hidden damage more thoroughly
✅ Spend more time on fitment and refinishing
✅ Advocate on your behalf during the claim

They represent the vehicle’s best outcome, not the cheapest outcome.

The Real Difference: Who the Shop Answers To

Why Insurance Prefers DRP Shops

It’s simple: they cost less.

If the insurer can reduce:

• Labour hours

• Paint materials

• Part prices
  …they keep more of the claim budget.

But cheaper isn’t always safer — especially with today’s sensor-based systems.

Why Drivers Often Get Better Repairs Independently

Independent shops can:

• Challenge denied OEM parts

• Request recalibration time

• Justify additional repairs during teardown

• Push for safer, not cheaper, outcomes

You still use insurance — but through a shop working for you, not against your repair quality.

“Will my insurance still cover it if I don’t use their shop?”

Yes.
In Ontario and across Canada, you have the legal right to choose ANY licensed repair facility.

An insurer cannot deny coverage just because you chose an independent shop.

Final Takeaway

The difference between DRP and independent repair is not about convenience — it’s about control and quality.

DRP = The insurer’s budget is protected
Independent = Your vehicle’s value and safety are protected

Need Help Navigating the Claim?

Corporate Fleet advocates for drivers and fleet owners—not insurance companies.
We help ensure your vehicle is restored to factory-condition standards, not “cost-effective standards.”

📩 Get claim support: info@cfleetauto.com
🚗 Corporate Fleet — Collision Repair You Can Trust