It is illegal and must be approved by the car owner.

If the repair shop has a cooperative relationship with the insurance company, the insurance compensation can be paid to the repair shop. However, generally insurance companies pay compensation directly to the insured, and the specific situation must be subject to the relevant provisions of the insurance contract. If the insurance company pays the compensation directly to the repair shop, the insured is required to issue a claim authorization letter, including the time and place of the accident, policy number, report number, account authorized to the repair shop, and sign for confirmation.