My vehicle was rear ended in a minor accident by an individual insured by this company. Initially they did no return my calls, they said the send claims forms, that I never received. I told them that I had an estimate for the damages ($422.) from a local repair company in my town. I was told that I had to take the car to a body shop of their choice, which I declined to do, but was told that they had the right to inspect the vehicle, which is what I thought that I was taking it to this shop for. They not only inspected my vehicle for damages, but also prepared an estitamte for work that was less than half of the amount that it will cost me to repair my vehicle. They claimed that I can have the car repaired anywhere but that they would only pay the $197.27. their repair shop quoted. I have been told, after the fact, that is aqainst state law for them to force me to take my vehicle to a specific shop for a quote. I am certain that they have a relationship with this repair shop and understand that they may want to keep costs down, however, I feel that I am the one who was inconvenience by this accident and that there should have been no argument as to them paying the full amount of damages to my vehicle. In addition, the other shop is inconvenient for my repairs, they most likely do not do the quality of work that our local shop does, and it is in a location that I do not frequent.