MN HF4780

Amends Minnesota Statutes 2020, section 72A.201, subdivision 6, to regulate unfair settlement practices in automobile insurance claims handling.

Requires insurers to offer policyholders choice between comparable replacement vehicles or cash settlements for total loss claims, with all applicable taxes, license fees, and transfer costs covered except for policy deductibles.

Mandates insurers conduct vehicle damage inspections within 5 business days for vehicles that cannot be safely driven, or within 15 days for other cases.

Prohibits insurers from requiring use of specific repair shops or parts (except window glass) and mandates written advisories informing insureds of their right to choose repair vendors, glass vendors, and rental companies.

Establishes requirements for insurer review and approval of repair supplements within 3 business days, notification of loss-of-use coverage, and proper handling of deductible recovery in subrogation claims.