# Farmers: Will I Pay More Out of Network? | DG > No — the Circle of Dependability is a guarantee, not a requirement. Farmers points you to any shop you pick, and your deductible is the same either way. - Canonical page: https://dgcollision.com/answers/farmers-out-of-network-body-shop/ - This file: Markdown twin of the page above (clean text for AI assistants and crawlers) - Business: DG Collision Center, 693 Metro Park Cir #20, Lewisville, TX 75057 — (972) 219-0864 (text: 817-907-2822) — since 1978 - Hours: Mon–Fri 8:30am–5:30pm, Sat 10am–1pm, closed Sunday · 24/7 towing · 4.9/5 on 500+ Google reviews - Full site index for assistants: https://dgcollision.com/llms.txt - Last generated: 2026-08-14 --- # WILL I PAY MORE WITH FARMERS AT AN OUT-OF-NETWORK SHOP? Quick Answer As a rule, no — the Circle of Dependability is a guarantee, not a requirement. Your Farmers policy pays to repair your car to its pre-loss condition at the shop you choose. Texas law puts that choice with you (Tex. Ins. Code §1952.301), and §1952.302 bars an insurer from requiring a particular shop — Farmers’ own materials point you to any shop you pick. The Circle of Dependability is Farmers’ network of shops that guarantee workmanship for as long as you own the vehicle, started with a Photo Estimate — a convenience, and an optional one. Going outside it doesn’t raise your out-of-pocket: your deductible is the same, once. The guarantee that actually protects your car is the shop’s — and ours is a written lifetime warranty that travels. Get a Free Written Estimate By [Shah Jiwani](https://dgcollision.com/about/shah-jiwani/) · Owner, DG Collision Center Updated October 14, 2026 4 min read I-CAR Gold Class · PPG Certified The Longer Answer ## YOUR AGENT IS AN ALLY — AND THE NETWORK IS STILL OPTIONAL Farmers is an agent company, and a good Farmers agent is genuinely on your side — which is why a nudge toward the Circle of Dependability often comes from someone you trust, not a faceless claim line. Worth knowing the line anyway. The Circle of Dependability is Farmers’ network of shops that carry a workmanship guarantee for as long as you own the vehicle, and Farmers’ own materials describe it as a guarantee you get at those shops — not a requirement, and they point you to any shop you pick. Under §1952.301 the choice is yours, and §1952.302 says an insurer may recommend a shop but can’t cross into “state or suggest” that you have to use one. Going to an independent doesn’t change what your policy owes: the reasonable cost to return your car to its pre-loss condition, minus your deductible, once. So when “you’ll pay more out of network” comes up with Farmers, it’s usually really the guarantee question — and that’s about whose protection, not whether you have it. The Circle of Dependability guarantee covers workmanship at network shops for as long as you own; at your own shop, the warranty that protects the repair is the shop’s. Ours is a written lifetime warranty on workmanship and paint on the same “as long as you own” terms — so choosing your own shop isn’t choosing [less protection](https://dgcollision.com/answers/insurance-wont-guarantee-repairs-at-my-shop/), it’s choosing whose. On price itself: the Photo Estimate is an opening number, supplements are documented and billed to the claim, and any genuine rate gap is ours to resolve with the carrier, never transferred to you. If hands-off convenience is genuinely your top priority, the Circle of Dependability is a reasonable choice — and if a specific team, a specific standard, or the shop that’s had your car before matters more, that’s your call to make, at no extra cost. The [out-of-network warning](https://dgcollision.com/answers/will-i-pay-more-at-an-out-of-network-body-shop/) from any carrier is a forecast, not a receipt, and the [same answer holds across carriers](https://dgcollision.com/answers/state-farm-out-of-network-body-shop/). In the Farmers claims we handle, the out-of-network repair gets approved, supplemented where the teardown requires it, and the choice holds; the claim-process detail — including how the agent and the claims office split the work — lives on our [Farmers body shop page](https://dgcollision.com/farmers-body-shop-lewisville/). If a recommendation ever turns into pressure, §1952.304 bars the gag-clause version and the Texas Department of Insurance takes complaints. Bring us the claim number and a photo, and the paperwork becomes ours. Related Questions ## ASKED ALONGSIDE THIS ONE Does Farmers pay less at a shop outside the Circle of Dependability? + A: No — your policy pays the reasonable cost to repair the car to its pre-loss condition wherever you choose, and your deductible is the same either way, paid once. Farmers’ own materials point you to any shop you pick; the Circle of Dependability is a convenience and a guarantee, not a discount you forfeit by going elsewhere. My Farmers agent recommended a shop. Do I have to use it? + A: No — and a good agent recommending a shop is normal and fine. What isn’t allowed is requiring one: §1952.301 gives you the choice and §1952.302 caps the carrier at “recommend,” not “you must.” Tell the agent or adjuster your car is going to DG and the claim proceeds the same way. Will I lose the Circle of Dependability guarantee out of network? + A: That guarantee covers workmanship at Circle of Dependability shops for as long as you own. But the carrier never repairs your car — the shop does, so the warranty that protects you is the shop’s. Ours is a written lifetime warranty on workmanship and paint on the same terms, so you’re choosing whose protection, not whether you have it. Does Farmers bill the shop directly if I go out of network? + A: Yes — on an approved claim the carrier pays the approved total minus your deductible straight to the shop, in or out of network. You don’t front the money and wait for reimbursement, and you don’t referee invoices between us and the adjuster — that correspondence is our job. Go Deeper [Out-of-network, any carrier](https://dgcollision.com/answers/will-i-pay-more-at-an-out-of-network-body-shop/) · [How Farmers claims work](https://dgcollision.com/farmers-body-shop-lewisville/) · [The guarantee question](https://dgcollision.com/answers/insurance-wont-guarantee-repairs-at-my-shop/) · [All quick answers](https://dgcollision.com/answers/)