Discovery2008 wrote an interesting post, here a quick excerpt An auto insurance policy is an agreement between individuals and the insurer for automobiles. After checking on the auto body shop and you need to ask them about the insurance company that accredits them. When you wheel and deal directly with auto insurance companies, the “middleman” is taken right out of the equation, and this helps a company keep their rates as low as they can.
A complete article could be read HERE