Can my insurance company force me to use their preferred body shop?

No. In Ontario, under the Consumer Protection Act and FSRAO guidelines, you have the absolute legal right to choose where your vehicle is repaired. Your insurer cannot dictate the facility.

How do I file an auto insurance claim in Ontario?

Simply call us first. We can guide you through the reporting process, help you obtain a claim number, and arrange for the adjuster to inspect your vehicle at our facility.

Do you work with my insurance provider?

Yes, Pro Auto Body works with all major insurance providers in Canada. We handle the direct billing and negotiations to ensure your vehicle is repaired properly.

Ontario Consumer Rights

Insurance Claims &
Your Legal Repair Rights

In Ontario, you have the legal right to choose your collision repair facility. We handle the entire claim process for you, ensuring a stress-free experience.

Start My Claim

Know Your Right — Ontario Law Protects You

In Ontario, you have the legal right to choose any licensed body shop you trust — even if your insurance company suggests a different one.

Insurance companies cannot force you to use their “preferred shops.” You can bring your vehicle to Pro Auto Body and we’ll handle everything, including the claim paperwork.

🔗 Learn your rights – Ontario.ca

Your Legal Right to Choose Your Repair Shop – Ontario Law

Did you know that in Ontario, your insurance company cannot force you to use a repair shop they recommend?

According to the Ontario Consumer Protection Act and the Financial Services Regulatory Authority of Ontario (FSRAO):

"You have the full legal right to choose any licensed auto body repair shop you trust. Insurance companies may suggest preferred shops, but they cannot require you to use them."

Insurance must send an appraiser to inspect the damage
They must review and approve the estimate from your chosen shop
They must pay the approved amount under your policy

This means: You are free to choose Pro Auto Body, or any shop you trust — no penalty, no delay. We handle the claim, the paperwork, and the repairs.

Your Rights Under Ontario Law Consumer Responsibilities (FSRAO)

How It Works

We Work With All Major Insurers

Call Us First

Appraisal & Estimate

Bring your vehicle to us. We arrange for the insurance appraiser to inspect it alongside our technicians.

Repair & Delivery

Once approved, we begin factory-spec repairs. We bill the insurance company directly.

Guaranteed Repairs

All insurance-approved repairs are backed by our written North York Lifetime Paint & Workmanship Warranty.

See Warranty Details

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Trust our top-rated shop to advocate for your rights and handle the insurance adjuster directly.

Why Trust Us?

Insurance Claims & Your Legal Repair Rights