Usually, when a car is in the shop for repairs after an accident, the
insurance company requires an appraiser to examine the car and give an
estimate. But many auto body shops and insurance companies are starting to
do things differently. Direct Repair Facilities (DRFs) are auto body shops
owned by insurance companies. When a car is taken to a DRF after an
accident, it's appraised by someone who actually works at the shop owned by
the insurance company.
This might sound like a simple idea that streamlines the system and gets a
car fixed faster, but not everyone agrees that it's a good idea. In fact,
some states have made DRFs illegal. Below you will learn some arguments for
and against DRFs.
Arguments supporting DRFs
Arguments against DRFs