Q. Do I have to take my car to an insurance company "approved" repair shop?

No. You can have any repair shop fix your car. Take your car to your most trusted repair center. Give them the insurance company's claim number, the name of the adjuster, and the adjuster's telephone number. The service advisor will handle the rest. If the repair center accepts your car for repair, it accepts the terms of the insurance company's policy. You should not encounter any "hidden" or "uncovered" charges. If additional damage is found while working on your car, the service advisor will contact the adjuster to get approval for the additional repair charges.