Your choice of shop
Utah Insurance Department guidance for third-party auto claims states that drivers are not required to use the insurer’s suggested repair shop. You can ask your preferred shop to inspect the vehicle and explain its repair approach.
The important cost caveat
The same state guidance notes that if your chosen shop charges more than the insurer’s suggested shop, you may have to pay the difference. That is why asking both sides to explain disputed line items, the basis for repair operations and potential out-of-pocket costs matters.
A practical next step
Before signing a repair authorization, confirm what has been approved, whether additional damage may lead to supplements, how delays will be communicated, what warranty terms apply, and whether any costs might fall to you. Keep copies of written estimates and decisions.
Sources and further reading
General information, not legal or insurance advice. Coverage and payment depend on the policy, claim and applicable law. Ask your insurer to confirm your benefits and any out-of-pocket costs.