HF2383 Summary

• Amends Minnesota Statutes section 72A.201, subdivision 6, to expand unfair settlement practices for automobile insurance claims handling.

• Requires insurers to offer either a comparable replacement vehicle with all costs covered or a cash settlement based on actual purchase costs for total loss claims, with costs determined by local market availability or qualified quotations.

• Mandates insurers approve or deny repair supplements within three business days of submission by a repair shop.

• Prohibits insurers from requiring insureds to use particular repair shops, glass vendors, or rental car companies, and requires specific advisories informing insureds of their right to choose vendors.

• Requires insurers to notify insureds within 10 business days of a written request for access to complete claim files, excluding internal memoranda, fraud investigation materials, attorney work product, and privileged materials.