Q: I have a repair facility that I have used in the past and am very happy with them, but my insurance company told me to go to someone else, that my facility is not on their list. Can they do that?

A: No. Michigan State law says that the consumer has the right to choose which facility to have their repairs done. However, if the repair facility you chose is not competitive to the rest of the area, you may be responsible for the difference. An example of this would be; your insurance carrier pay’s $20.00 per labor hour in your area and the facility you use charges $21.00. Your estimate shows 5 labor hours. You would be responsible for the additional $5.00 – this rarely occurs.