Asking your insurance person - assuming you insure with someone reasonably reliable, is generally a very good idea, since they're in contact with people who may have the same problems you do, and they have a vested interest in keeping costs reasinable - to them if they pay, and for you if they keep you happy with their service.

They may be about your only reasonably accessible protection against service shops willing to exploit you with "unusual fees" since the shops are interested in their profit but the insurers look at what it costs them, and sometimes you.

Unfortunately it's about as hard to find an insurer to trust as to find a service shop that won't scam you, and that often depends about as much on your own individual agent as on the big guys back at insurer corporate.

John