i had an accident last month and it was not my fault. my car is 2 years old.
but in my insurance policy, i had paid some extra premium for agency repair.
my insurance company was trying to send me to some small garage without reading the policy. i refused to get it repaired in this small garage.
when i showed them the policy, they had to send me to the agency for repair.
my insurance company would be getting reimbursement from the other party's insurance company.