For most property and auto claims, you have the right to choose your own licensed contractor. Carriers are not allowed to require you to use their preferred network in most states. The case for the preferred network. The carrier guarantees the work, often handles billing directly, and can move faster because their shops are pre-approved. For routine repairs, this is often the path of least resistance. The case against. Preferred shops have a relationship with the carrier that may not be in your interest if scope of work becomes contested. They are paid by the carrier and may use cheaper materials or shortcut repairs to stay within the estimate. What we suggest. For routine repairs with no scope dispute, the preferred network is fine. For larger losses, structural damage, or anywhere the scope is being negotiated, choose your own contractor. Confirm in writing that doing so does not affect your coverage.