Important Facts about your rights No law requires you to get more than one estimate. You are not obligated to use any particular shop to obtain repairs.You choose the shop and authorize the repairs. Your insurance company cannot require you to go to a particular shop. If the accident was not your fault, you have the right to alternative transportation for a reasonable amount of time while your repairs are being completed. Differences in repair estimates are common.of the person writing the estimate and may not include all the necessary parts and repairs. If you had a child car seat in your vehicle at the time of the accident let the insurance company know.  Even if a child was not in the seat, most  manufacturers recommend replacing the seats after accidents because of unknown damage that could have occurred.