You pay your insurance premium year after year but you only truly discover the service they provide when you have an accident. You may find your insurance company instruct you to have your vehicle repaired by a bodyshop of their choice. Often because they have an agreement in place for a cheaper labour rate, reduced paint costs and even the use of non-genuine parts.
However, it’s your right to have your vehicle repaired where you want. Quite simply it’s your vehicle, your choice.