Affliction of (return) choice

Moin, I have at this point a purely hypothetical question for you. It is not a real scenario but a freely conceived case constellation. Similarities with living insurers, damaged vehicles and their frustrated owners are purely accidental A TK damage occurs to a car, but the vehicle is damaged within the usual regulations. As far as so good. Vehicle is insured with 150 SB, contract without factory seat binding. g, 3 letters, but not more precisely named, has the damage examined and tells the VS that he should create the vehicle to the dealer A, purely randomly damage partner of the insurance to Rep…. Now the owner of the damaged car informs the insurer that he will by no means bring his vehicle to dealer A because the owner of the FZG has already made very bad experiences with this workshop in the past. In the same place there are dealer B, same brand, which is In contrast to dealer A, the dealer B now has no connected paint shop and therefore would not be eligible as a repair company and the repair there would not be paid because disproportionately high costs would arise due to the transfer to the paint shop… How would you behave towards the insurance company? Gruss Marcus