# How The Race To Zero Is Killing The Independent Collision Shops

Page: https://stenobird.com/podcast/repair-shop-reckoning-7416916/how-the-race-to-zero-is-killing-the-independent-collision-shops
Text version: https://stenobird.com/podcast/repair-shop-reckoning-7416916/how-the-race-to-zero-is-killing-the-independent-collision-shops.md
Podcast: [Repair Shop Reckoning](https://stenobird.com/podcast/repair-shop-reckoning-7416916)
Published: 2026-01-16T12:00:09+00:00
Episode link: https://www.spreaker.com/episode/how-the-race-to-zero-is-killing-the-independent-collision-shops--69458873
Audio file: https://api.spreaker.com/download/episode/69458873/rsp_snake_farm_audio.mp3
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JSON: https://stenobird.com/v1/public/podcasts/repair-shop-reckoning-7416916/episodes/how-the-race-to-zero-is-killing-the-independent-collision-shops
Duration seconds: 3616

## Resource

Featuring Kevin Brown, host of Repair Shop Reckoning, and Jason Tracey — this one is a full-blown reality check for shop owners who are sick of getting squeezed from every direction. Kevin doesn’t sugarcoat it: the collision world is sliding into a Race to Zero where shops keep dropping prices to “win” work… and end up financing repairs out of their own pocket. Meanwhile, insurers keep tightening the screws, MSOs keep setting the “standard,” and the customer gets caught in the middle with cheap parts, fear-based steering, and word-track manipulation. This episode is not for the “pros” who already have their numbers dialed in. It’s for the owners who feel like they’re drowning, constantly negotiating backward, and wondering why they’re working harder than ever but not getting ahead. What we get into: The Race to Zero and how it quietly bankrupts good shops Why MSOs (885 shops strong) shift pricing power away from independents The truth about DRPs, steering, and “out of network” fear tactics State Farm logic gymnastics: premiums up, labor rates down… same excuse One-party checks and why they wreck repair outcomes (and your time) Why free estimates are a trap and how admin/estimate fees protect your shop Storage fees done right (and why documentation is everything) The “cheat code” that changes adjuster behavior: reply-all transparency Why Kevin records calls, tracks everything by VIN/claim number, and covers his ass like a pro The real lesson: insurance companies don’t own your business — unless you let them Kevin also drops hard-earned shop-floor tactics: charging appropriately for time, marking up sublet work correctly, refusing to renegotiate supplements after the work is done, and setting boundaries that force respect. The Takeaway If you don’t know your costs, you’l…

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