If you feel your insurance company is steering you illegal towards their shop, it is your right to complain to the Pennsylvania or New Jersey Insurance Commission where Insurance companies risk being fined.
The next time you, a family member or friend gets into an accident remember to ask or tell them to ask, "Are you contracted by the insurance company to fix auto body collision damage?" They are required to tell you, "Yes" or "No."
Independent Auto Body Shops in Philadelphia work for you, the customer, not the insurance companies.