1. NO Law requires you to get more than one estimate.
2. You are not obligated to use any particular shop to obtain repairs. You choose the shop and authorize the repairs.
3. If you are given a list of shops to choose from and the shop you would like to do the repairs is not one on that list, call or go by that shop and ask why. Most shops not on insurers lists have chosen NOT to participate for one reason or another and know how to deal with insurers independently.
4. A guarantee on repairs by an insurance company is only as good as the warranty given by the shop itself. Don’t be fooled.