Raised Bill No. 5176 - Automobile Insurance Coverage

• Requires insurers issuing private passenger nonfleet auto insurance policies in Connecticut on or after January 1, 2021, to clearly identify non-original manufacturer replacement parts in written repair estimates and provide notice to claimants.

• Prohibits insurers from denying coverage for or requiring installation of specific replacement parts unless the repairer determines installation would be unsafe, the vehicle is less than 1,800 days old and an original manufacturer part is available, or the claimant doesn't consent to aftermarket parts and the original part is superior in quality.

• Limits constructive total loss declarations to situations where repair/salvage costs equal or exceed 75% of vehicle value or when the claimant agrees in writing; requires insurers to use at least two approved valuation sources to determine vehicle value.

• Requires insurers to provide claimants with detailed calculation of constructive total loss value, applicable valuation reports, and written notice explaining dispute procedures with Insurance Department contact information.

• Expands the Connecticut Unfair Insurance Practices Act to include violations related to automobile insurance replacement parts, constructive total loss declarations, and adds related enforcement mechanisms effective January 1, 2021.