Bill > HF1322

This bill modifies Minnesota's automobile insurance claims handling regulations by introducing several key provisions to enhance consumer protections and transparency. The bill expands definitions to include detailed descriptions of "repair" and "repair operations," and significantly strengthens requirements for insurance companies when handling claims. These new standards include mandating that insurers provide clear, itemized explanations when denying repair costs, especially those related to vehicle safety systems, and requiring insurers to offer settlement options that fully cover repair costs or replacement of damaged vehicles. The bill also prohibits insurers from unreasonably delaying claims, repeatedly requesting similar information, or making settlement offers that underestimate necessary repairs. Notably, the legislation introduces a new private right of action, allowing insured individuals, contractors, and repair facilities to sue insurance companies for violations of these claims handling standards, with the potential for recovering legal costs and attorneys' fees. The goal appears to be ensuring more fair, transparent, and comprehensive automobile insurance claims processes that protect consumers and repair professionals from potential insurance company misconduct.

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https://www.revisor.mn.gov/bills/bill.php?b=House&f=HF1322&ssn=0&y=2025