Texas Insurance Code §1952.301 prohibits insurers from requiring you to use a specific repair shop. You can pick any licensed body shop in El Paso for your collision repair. Picking well matters — bad repairs cause diminished value, safety issues, and re-claim headaches.
What to look for
- I-CAR Gold Class certification
- OEM (manufacturer) certifications for your specific make
- ASE-certified technicians
- Written warranty on parts and labor
- Loaner car or rental car coordination
- Direct insurer billing capability
Direct Repair Program (DRP) shops
Insurer-preferred shops streamline communication but can pressure timelines and use aftermarket parts. They are not required — they are a convenience option.
OEM vs. aftermarket parts
Texas does not require OEM parts. Most insurers default to aftermarket or recycled parts to control cost. You can request OEM parts but may have to pay the difference unless you have an OEM-parts endorsement.
Quality verification
Inspect repairs before signing acceptance: paint match, panel alignment, sensor recalibration. ADAS calibration is a frequent miss in El Paso shops — confirm it was completed.
Frequently asked questions
Can my insurer make me use a specific body shop?
No. Texas Insurance Code §1952.301 prohibits this. You choose the shop.
Will insurance pay for OEM parts?
Usually only with an OEM-parts endorsement. Standard policies default to aftermarket or recycled parts.
What's a Direct Repair Program shop?
An insurer-preferred shop with streamlined communication. Optional — not required.
How do I know if repairs are good?
Look for paint match, panel alignment, sensor recalibration, and a written warranty. Get a post-repair inspection if in doubt.
What if the repair is bad?
Insurer is responsible for shop quality if you used a DRP. For independent shops, the shop is primarily responsible but the insurer can be pressed if the estimate was inadequate.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.