MI HB4635

Prohibits insurers and adjusters from compelling or coercing insureds or claimants to use a particular repair facility, claim center, or similar facility for collision damage claims, though insurers may request use of a specific facility if they inform the insured that participation is voluntary.

Requires insurers to inform insureds or claimants of their freedom to choose their own repair facility and to disclose any insurer ownership interest in or agreements with repair facilities.

Prohibits insurers from using force, intimidation, fear, authority, or boycotts to revise repair estimates written by licensed repair facilities.

Restricts insurers from specifying nonoriginal equipment manufacturer (OEM) aftermarket parts for structural components unless certified by a national testing board, and prohibits limiting paint or material costs to unreasonable amounts.

Allows insureds, claimants, repair facility owners, and aggrieved persons to sue for violations and recover treble damages (3 times actual loss or $500, whichever is greater) plus attorney fees and costs; permits class actions.