I'm not quite to the point where I need to purchace insurance, but I'm curious as to how it will work. If my car (that I poured my soul into) is damaged, will the insurance company write me a check to fix it myself, or will I have to carry it to a liscensed shop to have it fixed. I'll be damned if I'm going to turn my car over to some incompetent body man who does half-ass work. I know run-of-the-mill auto insurance will require the latter, but is there special insurance companies out there for guys (and gals) like us that will pay us to fix it ourselves?