Do I have to use the body shop my insurance recommends?

No. Under ARS §20-468 you have the legal right to choose any licensed motor-vehicle repair facility in Arizona. Your carrier's recommendation is a suggestion, not a requirement. Steering you away from your chosen shop with claims that the repair won't be guaranteed or that coverage is reduced can be an unfair claim settlement practice under ARS §20-461 — reportable to AZ DIFI.

What if my insurance company says they won't pay if I use Orlando Auto Body?

That language is a steering tactic. The carrier's contractual obligation is to indemnify you for the loss regardless of which licensed shop performs the repair. They may pay at their network labor rate; we negotiate the difference based on OEM repair procedures. If the carrier persists, contact AZ DIFI consumer services — see difi.az.gov/consumer/insurance.

Does OAB charge me extra if I use a non-preferred carrier?

No. Our pricing is driven by damage severity, parts pricing, and OEM repair procedures — not by carrier identity. We're not a Direct Repair Program shop with any carrier, so we don't have negotiated discounts that get passed on or withheld based on your insurer.

What if my insurance only pays for aftermarket parts but I want OEM?

That's a common situation. We document the OEM-procedure requirement using I-CAR Repairability Technical Support (rts.i-car.com) and the manufacturer's position statements via OEM1Stop. Many supplements approve OEM after that documentation. If the carrier still won't approve, you can pay the OEM upgrade out-of-pocket — we'll quote the delta clearly.

Can OAB help if the at-fault driver is uninsured?

Yes. If you carry uninsured motorist property damage (UMPD), your carrier pays without a deductible — bring the claim number. If you don't have UMPD, your collision coverage applies with a deductible, or you can pay self-pay and pursue the at-fault driver. We'll walk through the fastest path for your specific situation at the appointment. Also: who pays when someone hits your car in Arizona (all 4 scenarios).

Is OAB a State Farm or GEICO approved shop?

OAB handles both State Farm and GEICO claims directly but is not locked into any DRP. We advocate for OEM-procedure repair and file every supplement we find. See: State Farm claims at Mesa and GEICO claims at Scottsdale .

Which Insurance Companies Does Orlando Auto Body Work With? (Full Arizona List)

The full list of Arizona carriers OAB has handled. Based on call-volume data across Mesa, Gilbert, and Scottsdale over the last 90 days, the carriers our customers most frequently bring claims from are: State Farm, GEICO, USAA, Progressive, Allstate, Liberty Mutual, Nationwide, American Family (AmFam), AAA (CSAA Insurance Group / Auto Club), Farmers, Travelers, MetLife, Root, Kemper, National General, The General, Direct Auto, Mercury, SafeAuto, Hartford, Esurance (Allstate brand), Plymouth Rock, Foremost, Bristol West, Dairyland, GAINSCO, and Acceptance. We've also handled commercial and fleet claims from Hartford Commercial, Progressive Commercial, and Nationwide Commercial. Don't see your carrier? Call (480) 844-4858 — if they write Arizona auto policies, we work with them.

Top Arizona auto insurance carriers, what to expect when you bring an OAB claim, and OAB's role on each. Carrier-side detail links to each carrier's official claims page; OAB-side detail reflects how we actually handle the claim. We are not a DRP shop with any of these carriers, which is the point — we work for you, not for them.

Carrier	Arizona market presence	Typical claim path with OAB	Carrier claims page
State Farm	Largest auto insurer in Arizona by market share. High volume of OAB claims.	Standard photo estimate or in-person inspection. Supplements via Select Service portal or direct adjuster contact.	statefarm.com/claims
GEICO	Top-3 Arizona market share. Strong online claim flow.	Adjuster assigned via app or phone. We negotiate supplements directly with the assigned adjuster.	geico.com/claims
USAA	Active Arizona military and veteran community. High-touch service standard.	Adjuster contacts you within hours. We coordinate via STARS network and OEM-procedure documentation.	usaa.com claims
Progressive	Major Arizona presence. Owns rental coordination via rental reimbursement.	Network photo-app estimate, then in-person teardown supplement. Rental scheduled directly with carrier.	progressive.com/claims
Allstate	Top-5 Arizona market share. Esurance is Allstate brand.	Allstate Good Hands Repair Network is optional — you can choose OAB regardless under ARS §20-468.	allstate.com/claims
Liberty Mutual / Safeco	Significant Arizona presence (Safeco is Liberty Mutual brand).	Photo estimate or in-person. Supplements processed via Liberty Mutual or Safeco adjuster directly.	libertymutual.com claims
Nationwide	Mid-tier Arizona presence. Strong commercial-fleet line.	Standard adjuster process. We handle supplements directly.	nationwide.com/claims
AAA / CSAA	AAA Arizona writes through CSAA Insurance Group. Common for AAA members.	Standard process; tow service often coordinates direct drop to OAB.	aaa.com/insurance/claims
American Family (AmFam)	Strong Arizona market share, especially in suburban Phoenix Valley.	Adjuster assigned by phone or app. OEM-procedure supplements processed directly.	amfam.com/claims
Farmers	Top-10 Arizona market share. Includes 21st Century, Foremost, Bristol West.	Adjuster path; we handle supplements with appropriate Farmers brand.	farmers.com/claims
Travelers	Mid-size Arizona presence; often paired with home-auto bundles.	Standard process; supplements via assigned adjuster.	travelers.com/claims
Root, Kemper, National General, The General, Direct Auto, Mercury, SafeAuto	Smaller and non-standard carriers active in Arizona — full coverage handled.	Same process — claim number in, OEM-procedure repair out.	Bring your claim number; we'll route it.

Your right to choose: ARS §20-468. Arizona law is explicit on this. ARS §20-468 protects a policyholder's right to choose any licensed motor-vehicle repair facility — your insurance company cannot require you to use one of their direct-repair-program (DRP) shops. The most common pressure tactic is the carrier saying "we can only guarantee the repair if you use a network shop." That phrasing is misleading; OAB issues its own written lifetime workmanship warranty independent of any carrier. If a carrier refuses to handle a claim through a non-network shop or threatens reduced coverage as leverage, that conduct can rise to an unfair claim settlement practice under ARS §20-461 and is reportable to the Arizona Department of Insurance and Financial Institutions (DIFI).

What "working with" your carrier actually means at OAB. When you bring a claim to OAB, we run the entire insurance side: write the initial estimate, photograph hidden damage during teardown, submit supplements to the assigned adjuster (industry-wide cycle time for moderate-severity claims tracks around 13-14 business days per CCC Crash Course Q4 2025), coordinate parts pricing, send the final invoice, and chase the supplement check if it's slow. We don't ask you to shuttle paperwork between us and the adjuster. The standard intake at OAB takes about 20 minutes for the appointment plus a 24-hour insurance-side coordination window after we have the claim number. If the carrier writes the initial estimate using aftermarket or LKQ parts and you want OEM, we document the OEM-procedure requirement for your make using I-CAR Repairability Technical Support and OEM1Stop position statements — that's the lever.

DRP vs non-DRP — why this matters more than it sounds. A Direct Repair Program shop signs a contract with one or more carriers agreeing to specific labor rates, parts sourcing rules, and cycle-time targets. In return, the shop gets steered claim volume from the carrier. The trade-off is real: DRP shops have less leverage to push back when a carrier writes the estimate using aftermarket parts, denies an OEM-procedure line item, or rejects a supplement. OAB is intentionally non-DRP. Every supplement we submit is framed by the manufacturer's published repair procedure, not by a carrier-network labor-rate ceiling. For not-at-fault claims, we also document diminished value using Oliver v. Henry, 227 Ariz. 514 (Ct. App. 2011) as the legal anchor, and we provide a free DV Appraisal Packet to you so you can collect the resale-value loss the at-fault carrier owes you.

Uninsured drivers and what to do. About 1 in 10 Arizona drivers is uninsured per the Insurance Information Institute (citing 2023 IRC data). If one of them hits you and you carry uninsured motorist property damage (UMPD) coverage, your own carrier pays for repair without a deductible. If you don't have UMPD and the at-fault driver is uninsured, your collision coverage applies (with deductible) — or you can pay self-pay while pursuing the at-fault party in small-claims or civil court. We help you figure out which path is fastest at intake. Arizona's minimum auto coverage is 25/50/15 under ARS §28-4009, which the AZ DIFI minimum-coverage guide summarizes in plain language.

How to bring your claim to OAB — three steps. Step 1: file the claim with your own carrier or the at-fault driver's carrier (your call — for not-at-fault claims, going through the at-fault carrier means no deductible to you). Step 2: get the claim number — it'll be 6-12 digits/letters. Step 3: call any OAB location — Mesa at (480) 844-4858, Gilbert at (480) 656-9202, or Scottsdale at (480) 590-3135. We can also handle drop-off via 24/7 secure key-drop after hours. From there, you don't need to do anything except be reachable for a yes/no on options during teardown. We text status updates throughout.

Which Insurance Companies Does Orlando Auto Body Work With?

Sources

Bring Your Claim Number — We Handle the Insurance Side

Mesa

Scottsdale

Gilbert