When it is time to have your windshield replaced, you should know your legal rights. Does Michigan law require your insurance company to choose your windshield replacement service provider, or do you have the right to choose your own? The short answer is that you have the legal right to choose your own windshield replacement service provider. Here are the details from Michigan's Department of Licensing and Regulatory Affairs.
You Can Choose Your Own Windshield Replacement Service Provider
Insurance companies are not allowed to "unreasonably restrict" you from choosing your own "particular person, place, shop, or entity" to replace a windshield covered by your policy.
Don't Let Your Insurance Company Convince You Otherwise
Insurance companies are required to disclose ahead of time whether they have established some sort of agreement with a windshield replacement service provider and to inform you that you are under no obligation to have your windshield replaced by this service provider.
Service Providers Must Have Reasonable Prices
According to Michigan Department of Insurance and Financial Services (DIFS), insurance-recommended service providers are not allowed to price gouge. If you feel like your rights are being violated, call DIFS at 877-999-6442 to report the violation.
If you have questions or need windshield replacement insurance assistance contact us online or call us at (248) 649-3109. We service Oakland County, Macomb County and the Greater Metro Detroit area.