MI HB5339

Prohibits insurers, adjusters, and their representatives from compelling insureds or claimants to use a specific repair facility, claim center, or similar facility for automobile collision damage claims, though insurers may request use of specific facilities if they inform the insured of their freedom of choice.

Requires insurers to inform insureds of their right to choose any repair facility and to disclose any ownership interest or agreements the insurer has with repair facilities.

Prohibits insurers from using force, intimidation, fear, or boycotts to alter repair estimates written by licensed facilities, and from attempting to obtain signatures authorizing the insurer to select repair facilities except in cases of imminent harm.

Restricts insurers from specifying non-original equipment manufacturer aftermarket crash parts for structural components (bumper reinforcement, radiator, core support, or parts affecting structural integrity or airbag timing) and prohibits non-certified aftermarket parts from being used.

Authorizes civil actions by insureds, claimants, repair facilities, and aggrieved persons against insurers for violations, allowing recovery of treble damages (3 times actual loss or $500, whichever is greater) plus attorney fees and costs.