Is it pleasant for an auto indemnity business to meet a body shop directly instead of paying the person whose machine was damaged?

I’ve had three car wrecks in the past five years. purely the most recent one was my fault. In each case where I had the damage to the car repaired, the insurance company gave the enquire into directly to the shop instead of paying me. This happened both when my insurance company paid and when I got hit over someone else and their insurance company paid. In the end I never indeed knew the cost of the repairs, and I aye felt like I was victim of an underhanded, backroom deal between the body shop and the insurance company. Is it acceptable for an auto insurance company to pay a body shop directly instead of paying the person whose car was damaged?

Ted
Cincinnati, OH