MN HF1322

Requires insurers to cover all costs to return vehicles to preloss condition, including diagnostic and repair verification steps following manufacturer recommendations, and prohibits reducing settlements for safety-related repairs

Mandates insurers provide written itemized explanations when denying recommended repairs, specifically identifying denied safety-related components (airbags, braking systems, structural components, driver assistance systems) and confirming insurers assume liability for denied repairs causing safety hazards

Adds new definition of "repair or repair operations" to include procedures returning vehicles to preloss condition per manufacturer and industry standards

Establishes unfair settlement practices including intentional/negligent delays, repeatedly requesting similar information, inaccurate claim estimates, and failing to approve or deny repair supplements within three business days

Creates private right of action allowing insureds, contractors, and repair facilities to sue insurers or adjusters for violations, with courts required to award reasonable costs, disbursements, witness fees, and attorney fees to prevailing parties