In Michigan you have the right to choose your repair facility.
All Insurance, collision and restoration work welcome!
For purposes of this web page “Insurance Steering” is defined as the practice of insurance companies directing First Party Insureds and/or Third Party Claimants to or away from specific repair facilities or providers.
The illegality of “Steering” notwithstanding, there are serious problems inherent in the practice. Insurers will “Sell” Consumers on using a particular repair facility or provider by offering to “Guaranty” the repairs to be performed. This means both the insured and repair facility agree to a Method, Scope and Cost of Repairs as defined by the insurer. When the insurer has “Low Cost” as their primary objective, quality – safety, and – post repair resale value suffer.
When a Consumer attempts to have the insurer back up their “Guaranty” of the repairs, they are stone-walled by the insurer and their “Partner” repair facility with assertions that the repairs are “Just Fine.”
Insurance Steering” is a tactic that some insurance companies use to pressure or “steer” a customer to a certain replacement facility. Often they tell customers that using a company “other than whom they recommend” will result in the customer having to pay a portion of the repair.