PDR & Insurance - 04-30-2025

Your Right to Choose a Repair Shop

Paintless Dent Repair for Hail Damaged Vehicles

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Do It Yourself Kits vs. Professional PDR

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Top 10 Reasons To Choose Dapper Dent Repair

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What Tennessee SB3455 Means for You

Tennessee Senate Bill 3455 gives you the legal right to choose any repair shop after filing an insurance claim. Insurance companies are required to inform you of this right clearly. Still, some may try to steer you toward their preferred Direct Repair Program (DRP) shops using pressure or misleading information.

They may imply your warranty could be affected or repairs might not be covered if you don’t use a DRP shop—claims that are not true under Tennessee law. Choosing a trusted local shop like Dapper Dent Repair keeps you in control of your vehicle repairs.

Why Your Repair Shop Choice Matters

Working with a repair shop you choose—not one pushed by your insurance company—can make a major difference in both repair quality and the overall experience. Many Direct Repair Program (DRP) shops subcontract work like paintless dent repair (PDR), which can result in increased costs, longer wait times, and less control over the process. Independent repair shops like Dapper Dent Repair complete all PDR work in-house, giving you better quality control, faster service, and clear communication every step of the way.

At Dapper Dent Repair, we coordinate directly with all major insurance providers. That means you get the same deductible-based pricing structure you would at a DRP shop, without the frustration. We handle the full estimate and claim approval before beginning any work, so there are no unexpected charges or delays. Our warranty-backed repairs provide peace of mind and reflect our commitment to honest, high-quality service.

When you choose your own shop, you’re making sure your vehicle is repaired the right way. From hail damage to everyday dents, we’re here to serve drivers across Tennessee with trusted, local care.

How to Avoid Insurance Steering Tactics

Insurance steering happens when an insurance company pressures you to use one of their preferred or affiliated repair shops. This pressure may come through subtle warnings, delayed claim approvals, or misleading claims that your warranty will be voided if you choose a non-DRP shop. These tactics are not only misleading—they are illegal in Tennessee under Senate Bill 3455, which protects your right to choose.

You have the legal right to select the body shop you trust, and doing so will not affect your insurance coverage or the quality of your repairs. At Dapper Dent Repair, we believe in giving customers honest information and dependable service. If you ever feel misled or pressured by an insurance representative, you should report it to the Tennessee Department of Commerce and Insurance. Our team is here to support you and make sure your repair experience is handled with fairness and transparency from start to finish.

Choosing your own repair shop puts you in control of how your vehicle is repaired—and who repairs it. When you select an independent, locally trusted business like Dapper Dent Repair, you’re choosing a team that handles repairs in-house, communicates directly with you, and provides clear, upfront estimates. You’re not passed around or left wondering who’s doing the work. We handle every step with transparency and efficiency.

Unlike many DRP shops that outsource dent repairs, we specialize in paintless dent repair (PDR) and stand behind every job with a full warranty. You’ll never be charged more than your deductible, and we work directly with all major insurers to keep the process smooth. If you feel uncertain about your insurance provider’s recommendations, trust your gut—and your rights. Our team is here to protect your interests, deliver quality results, and make sure you never feel pressured into a decision that isn’t right for you.