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crack up your car and you want insurance to pay for it it may limit your ability to choose who does the repairs consumer investigator kristen burn looks at how the rules work and what you can do to make sure youamp;#39;re treated right if youamp;#39;re in a car accident your insurer is supposed to pay for the repair but not if they think the repair is too expensive thatamp;#39;s what one woman discovered linda lewis was sideswiped by a hit-and-run driver and her toyota needs a lot of work quarter panel repair rear bumper repair so she brought it here because she heard they did great work but she says her insurer progressive balked at the seven thousand dollar estimate let me know thereamp;#39;s other auto shops in the area that will fix the car way cheaper she didnamp;#39;t realize that this shop was not on one of the insurers preferred shops that would do the job for two thousand dollars less most states now have laws that say you can bring your car to any body shop for repairs a