Can my insurance company require me to use their preferred body shop?

No. Oklahoma law and federal consumer protections guarantee your right to choose any licensed auto body shop after an accident, regardless of which shop your insurance company prefers. Insurers maintain Direct Repair Programs (DRP) with certain facilities, but participation is voluntary for car owners. Choosing an independent shop like Downtown Auto Body does not affect your coverage or payout — your claim is processed the same way. We handle all communication with your adjuster directly.

Do you handle all the insurance paperwork?

Yes. We write the initial damage estimate, contact your adjuster, document every item of damage, and submit supplement requests if additional damage is found during the repair. You don't need to serve as a go-between for us and your insurance company. We communicate with the insurer directly from the initial estimate through final payment.

What if the insurance company's estimate is lower than what the repair actually costs?

This is common, and we handle it through a supplement. When we find damage not included in the original insurance estimate — often discovered after disassembly — we document it and go back to the insurer directly to get the additional work approved. You are not responsible for costs that result from the insurer's estimate being incomplete. We have been handling insurance claims since 2017 and know how to get repairs fully approved.

How do I start an insurance claim for auto body repair in Shawnee?

Bring your vehicle to Downtown Auto Body at 118 W Main St in Shawnee — Monday through Friday, 8 a.m. to 5 p.m., no appointment needed. We write a free same-day estimate and then contact your insurance adjuster directly to open or continue the claim. If your vehicle is not drivable, call us at (405) 432-5343 and we will help coordinate towing. We work with all carriers and manage the entire process from estimate to completed repair.

Independent Auto Body Shop in Shawnee, OK

We Don’t Contract With Insurance. We Work for You.

Most auto body shops in Shawnee sign Direct Repair Program (DRP) agreements with insurance companies — trading pricing control for referral volume. Downtown Auto Body has never signed one. We’re family-owned, I-CAR certified, and we answer to one person: you. We accept every major insurance carrier, handle all the paperwork and adjuster calls, and back every repair with a lifetime warranty. Get a free same-day estimate — no appointment needed, just stop by.

What a Direct Repair Program Really Means

A DRP shop agrees to pricing caps, parts substitution allowances, and cycle time targets set by the insurance company — not by what your vehicle actually needs. In exchange, the insurer sends them a steady stream of referrals. It’s a business arrangement that benefits everyone except the car owner. Downtown Auto Body has never signed a DRP agreement. We fix every vehicle to factory specifications using the correct parts. If the insurer’s initial estimate comes up short, we write a supplement and go back to them directly. We’ve been doing this since 2017 and know how to get repairs approved correctly.

We Accept Every Insurance Company — And Handle Everything

Not being in a preferred-shop network doesn’t mean your insurance won’t cover the repair. We work with every major carrier — State Farm, Allstate, GEICO, Farmers, Progressive, USAA, and all others operating in Oklahoma. We write the estimate, contact your adjuster, document every item of damage, and push for OEM parts when your vehicle requires them. If additional damage is found during the repair, we go back to the insurance company — not to you. Your only out-of-pocket cost on a covered claim is your deductible.

Free Same-Day Quote — No Appointment Needed

Stop in at 118 W Main Street, Shawnee, Monday through Friday 8 am–5 pm and we’ll walk out to your vehicle and write a detailed estimate while you wait. No appointment, no obligation, no pressure to file a claim or even use our shop. Prefer to call ahead?

Independent Auto Body Shop in Shawnee, OK

We Don’t Contract With Insurance. We Work for You.

Vehicle Collisions

Deer & Animal Strikes

What a Direct Repair Program Really Means

We Accept Every Insurance Company — And Handle Everything

Free Same-Day Quote — No Appointment Needed