After getting into an auto collision, you may find yourself faced with a choice: independent auto repair or your insurer’s “direct repair program” or DRP shop. While your first thought may be to select whoever your insurance company recommends, take caution. The majority of insurers out there are looking to make a profit, after all. In other words, it’s important to consider the risks of using a DRP shop, as well as reasons to make your own selection. Let’s take a look at some of the cons of direct repair programs so you can make an informed choice.
Key Takeaways
- DRP shops work for insurance companies, not for vehicle owners.
- Cost controls often lead to lower-quality parts and skipped repair procedures.
- Insurance-driven repair limits can result in missed damage and reduced performance.
- Communication is often directed toward insurers instead of customers.
- Independent shops prioritize transparency, thorough inspections, and manufacturer-based repairs.
What is a DRP Shop?
Direct repair programs—or DRP, for short—are also called “preferred auto shops.” A DRP shop is an auto body repair shop that has agreed to collaborate with insurance companies. You may also hear them referred to as a “one-stop shop,” where someone with damages can drop off their vehicle and have it examined by an adjuster then repaired. In New Jersey, insurance companies push their DRP shops for a couple of reasons:
- To get your vehicle repaired as quickly as possible, and
- To have repairs done at a lower cost to the insurer.
As such, while a DRP shop may seem like a good, trustworthy choice, they are not looking out for you.
The 8 Risks of Using a Direct Repair Program Auto Shop
You want your vehicle returned to the condition it was before the accident. You want an auto body repair shop that is going to use the parts required to give you safety and performance. While a DRP shop can do that, it’s important to acknowledge that, due to the insurance company, they won’t.
Here is a look at the risk involved with choosing a direct repair program repair shop:
1. Narrow Scope of Work
Preferred auto shops have a narrow scope of work. In other words, rather than evaluating the damage and deciding what needs to be done, the shop defers to the insurance company. The mechanics receive their orders from the insurer than carry out the requested work. Unfortunately, this sometimes means the DRP shop will cut corners, making the vehicle look good as new just on the outside.
2. Low-Quality Parts
While DRP shops often receive more work than an independent body shop due to funneled policyholders, there’s a trade-off. The DRP shop makes less money. How do they balance out their profits? By cutting corners on parts. When you use a DRP shop, your vehicle may be repaired using secondhand, salvaged, or LKQ (of “like kind and quality”) parts—which are cheaper to purchase.
Such parts may function well, but they do not have the same safety ratings as “original equipment manufacturer” or OEM parts. There is no guarantee with functional secondhand parts. OEM parts, however, are developed by the manufacturer and have warranties to ensure your safety.
3. Less Experienced Auto Mechanics
In order for a shop to become a part of an insurance companies DRP network, they have to meet a set of criteria. Often, the shop must have accredited mechanics, the proper equipment for a range of repairs, and high customer service ratings. For example, the Select Service from State Farm requires at least one mechanic to have an advanced welding certification from I-CAR.
The issue is that, while the shops are vetted by insurance companies for certifications, there is no consideration of overall experience. Independent auto body shops often have mechanics who are not only certified but who have decades of experience under their belts. DRP shops will cut corners by hiring mechanics without much hands-on experience.
4. Reduced Performance After Repairs
Due to a need to cut corners to make up for lost profits, DRP shops will occasionally “miss” some problems. This may produce a vehicle that isn’t entirely roadworthy. When you drive away from the shop, you may notice issues that weren’t there before, such as rattling or strange noises when you hit the brakes.
5. For the Insurance Company, Not for You
Remember, the main problem with DRP shops is that they’re working for the insurance company, not for you. They listen to what the insurance company wants and fulfill those requests. The DRP shop won’t spend the same amount of time on repairs as an independent auto repair shop would because they’re trying to make ends meet. The turnaround may be quick, but the repairs will be shoddy.
It is better to wait for an independent auto repair shop that may be booked a few weeks out. You know the independent shop will take their time, order the correct OEM parts, and also guarantee their work.
6. Quality Compromises
We’ve touched on lower quality parts but now let’s focus on the overall quality compromise. DRP shops have constraints. To stay profitable, they must skip procedures that other independent shops would spend time on. Insurers may also insist on methods that go against OEM standards. The DRP shop can’t truly fight the insurance company on these methods due to the delays that may occur, so many give in and do a substandard repair instead.
7. Mechanics Are Under Pressure
There is a lot of administrative overhead in a DRP shop. The mechanics must document everything, follow certain procedures, and communicate with the insurer, resulting in additional steps that don’t necessarily benefit the customer. This means that the DRP shop staff is constantly burdened with additional tasks draws more time away from repairs. The mechanics are constantly under pressure, and that can lead to poor quality repairs.
8. Lack of Communication
While DRP shops do communicate often, they’re not focused on communicating with you. The staff is constantly sending over reports, evaluations, photos, and messages to the insurer. Since their focus is on appeasing the insurance company, they spend less time telling you what’s happening with your car. An independent auto body repair shop, on the other hand, maintain communication with customers to ensure satisfaction and transparency.
Choose an Independent Auto Body Repair Shop in New Jersey Instead
Ultimately, the choice comes down to you and what you want. However, there are a few key reasons why independent collision repair centers are the better option:.
- Your interests come first. Independent shops like Elmer’s Auto Body work with you, not the insurance company. They have no obligation to follow DRP protocol and no need to cut corners.
- Greater transparency. Independent collision repair centers openly explain what they’re doing and why. You are never left with unanswered questions.
- Thorough damage inspections. Since independent shops aren’t limited by time or volume, they can conduct more thorough damage inspections to find the hidden issues that would go unnoticed by a DRP shop.
- Repairs based on needs, not estimates. Independent auto body shops follow manufacturer guidelines and the actual condition. They focus less on the insurance appraisal.
FAQs About DRP Shops and Independent Collision Repair
Am I required to use my insurance company’s DRP shop?
No. New Jersey drivers have the legal right to choose their own auto body repair shop.
Do DRP shops always use lower-quality parts?
Not always, but insurer agreements often encourage the use of aftermarket, recycled, or LKQ parts to reduce costs.
Can a DRP shop miss hidden structural damage?
Yes. Time pressure and restricted repair scopes can result in overlooked frame, suspension, or safety-system issues.
Why are independent shops more transparent?
Independent shops answer directly to customers, allowing them to explain repair needs openly without insurer-driven limits.
Is it worth getting a second opinion?
Yes. A second inspection can uncover missed damage and help ensure repairs meet safety and manufacturer standards.
Contact Elmer’s Auto Body of South Jersey for Collision Repair
When you need auto repair in South Jersey, you’ll have plenty of choices from your insurance company. However, if you’re looking for top-quality repairs from a trustworthy shop that’s not beholden to an insurer, choose an independent shop like Elmer’s Auto Body. We’ve been in business since 1947 and have never operated as a DRP shop. Instead, we focus on you—and the safety of your vehicle.
Choose an Independent Auto Body Shop That Works for You
Don’t let insurance programs dictate the quality of your repairs. Elmer’s Auto Body puts your safety, your vehicle, and your long-term confidence first.
Get your vehicle inspected and repaired at one of our three South Jersey locations.
Mt. Ephraim: (856) 456-7018
Sewell: (856) 218-0202
Medford: (609) 714-4050






