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HOW CAN IT GET IN NOVEMBER? YOU GET A BIT. THANKS TO THE ICE. IF YOU CRACK UP YOUR CAR AND YOU WANT INSURANCE TO PAY FOR, IT MAY LIMIT YOUR ABILITY TO CHOOSE. WHO DOETHE REPAIRS. CONSUMER INVESTIGATOR KRISTEN BURNS LOOKS AT HOW THE RULES WORK AND WHAT YOU CAN DO TO MAKE SURE YOURE TREATED RIGHT IF YOURE IN A CAR ACCIDENT, YOUR INSURER IS SUPPOSED TO PAY FOR THE REPAIR, BUT NOT IF THEY THINK THE REPAIR IS TOO EXPENSIVE. THATS WHAT ONE WOMAN DISCOVERED. LINDA LEWIS WAS SIDESWIPED BY HIT AND RUN DRIVER IN HER. TOYOTA NEEDS A LOT OF WORK. QUARTER PANEL REPAIR, REAR BUMPER REPAI SO SHE BROUGHT IT HERE BECAUSE SHE HEARD THEY DID GREAT WORK, BUT SHE SAYS HER INSURR, EPROGRESSIVE BALKED AT THE $7,000 ESTIMATE THAT WE KNOW THIS OTHER AUTO SHOPS IN THE AREA THAT WILL FIX THE CAR. WAIT, HE PUT. SHE DIDN T REALIZE THAT THIS SHOP WAS NOT ON ONE OF THE INSURERS PREFERRED SHOPS THAT WOULD DO THE JOB FOR $2000. LESS MOST STATES NOW HAVE LAWS THAT SAY YOU