What is a Direct Repair Program?
A Direct Repair Program (DRP) is a network of body shops that have agreements with insurance carriers. In exchange for steady referral volume, the shops agree to negotiated labor rates, parts choices (often more aftermarket), and streamlined claim processing.
Insurers benefit: predictable repair costs, faster claims, established relationships. Body shops benefit: guaranteed customer volume without marketing.
What's the trade-off for you?
DRP shops have agreed to insurer-preferred parts choices — typically more aftermarket and recycled, less OEM. They've also agreed to negotiated labor rates that may compress repair quality. And they've agreed to processing speed targets that can compromise prep work, cure times, and inspection.
Not every DRP shop cuts corners — many are excellent. But the financial pressure points in DRP agreements push shops toward faster, cheaper work, not necessarily better work. Independent shops outside DRP networks aren't subject to those pressures.
When DRP shops make sense
Convenience-driven minor claims, where the work is straightforward and the cost difference is minimal: a bumper scuff, a single panel ding, a comprehensive glass claim. The DRP shop's streamlined processing can be a real time-saver.
When you should choose your own shop
Major collision, structural damage, luxury or EV vehicle, or any job where parts choice and labor quality significantly affect outcome. The cost difference is meaningful, the resale value implications are real, and the safety implications matter.
Under NY Insurance Law §2610 your insurer cannot require you to use a DRP shop. The choice is yours regardless of what your adjuster suggests.
Frequently asked questions
Does DRP shop work cost less?
Cost to you is the same — your deductible. The cost difference is between the shop and the insurer.
Will my warranty differ at a DRP vs independent shop?
Some DRP shops offer guarantees backed by the insurer. Independent shops offer their own workmanship warranty. Compare both.
How do I find a non-DRP body shop?
Most independent body shops are non-DRP. Read reviews, check certifications, and ask whether the shop is in a DRP network — they'll tell you straight.