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What is a Direct Repair Program (DRP) or Insurance Prefered List

Posted on August 31st, 2015

A direct repair program is an agreement between an insurance company and a bodyshop that will usually require the bodyshop to follow certain procedures in exchange for referrals from the insurance company. These contracts will differ depending on the insurance company. Some guidelines are in place for the benefit of the insurance company i.e. lower labour rates, using used parts, etc. Sometimes the agreements are for the benefit of the insured i.e. shorter wait times, equipment requirements, customer service, etc. Most insurance companies will market their DRP partners by offering a lifetime warranty on the repairs. You should note that MOST reputable shops will offer their own lifetime warranty, so you should not use that as your only reason to bring your vehicle to a specific shop. Also a lot of shops actually choose not to be involved in DRP programs because sometimes these agreements are not in their customers best interests. If a shop is not on a preferred list it does not necessarily mean they are not a reputable shop, and in-turn, some shops on the DRP list may not be a quality repair shop. Your best bet is to do your homework – ask around, check out the shop for yourself and ask the right questions.

It is important to note that some insurance companies may try to deter you from choosing a shop that is not on their DRP list. Always remember that you have the right to choose where you want your repairs done. Your vehicle is one of your most valuable assets, so choose a shop that has your best interest in mind.