Know Your Rights
As a Michigan consumer, you have important legal rights when it comes to collision repair. The insurance company works for their shareholders — your body shop works for you.
As a Michigan consumer, you have important legal rights when it comes to collision repair. The insurance company works for their shareholders — your body shop works for you.
After an accident, you may feel pressured by your insurance company to use a specific repair shop, accept aftermarket parts, or agree to repairs that don't follow manufacturer procedures. Understanding your rights empowers you to make informed decisions about your vehicle's safety and value.
Michigan law protects your right to have your vehicle repaired at the licensed body shop of your choice. No insurance company can require you to use a "preferred" or "recommended" shop. If an adjuster implies that you must use their network, they are misleading you. You are free to choose the shop you trust.
You have the right to request Original Equipment Manufacturer (OEM) parts for your repair. Aftermarket crash parts are not required to meet the same safety, fit, or corrosion-resistance standards as OEM components. And under the federal Magnuson-Moss Warranty Act, your vehicle manufacturer cannot void your warranty simply because non-original parts were used; warranty coverage cannot be conditioned on any particular brand of parts or service.
Vehicle manufacturers publish detailed repair procedures for a reason — they ensure your car will perform as designed in a subsequent collision. Your repair shop should follow these OEM procedures, including proper welding techniques, structural measurements, ADAS calibrations, and corrosion protection. Shortcuts can compromise your family's safety.
If your insurance company is refusing to pay for necessary repairs, steering you to a specific shop, or pressuring you to accept substandard work, you have the right to file a formal complaint with the Michigan Department of Insurance and Financial Services (DIFS) at (877) 999-6442 or online at michigan.gov/difs.
Under Michigan's Motor Vehicle Service and Repair Act (MVSRA), any repair facility must provide you with a written estimate before beginning work. The estimate must describe the repairs to be performed, the parts to be used, and the cost. No work should begin without your written authorization.
Insurance initial estimates are often written from photos alone and may not account for hidden damage. Once your vehicle is disassembled and inspected, your repair shop has the right to submit a supplement for additional necessary repairs. Your insurer is obligated to review and respond to supplements in good faith.
If you're a Michigan consumer dealing with insurance steering, repair disputes, or claim denials, MABA is here to help. Contact us or file a complaint with Michigan DIFS.