INSURANCE/AUTOMOBILE: Requires transparency of automobile repairs

HB 945 requires insurers to clearly inform policyholders they can choose any repair shop, not just insurer-recommended ones, and prohibits insurers from offering incentives or pressuring them to use specific shops. Repair shops must get written consent before using non-standard parts or procedures and disclose when Original Equipment Manufacturer parts aren't used. The bill also states that if an insurer pressures a customer into substandard repairs, the insurer bears liability for resulting safety issues. This directly affects policyholders (who gain clearer choice), insurers (who must disclose options), and repair shops (who must follow transparency rules).