When you file an auto insurance claim, you expect your vehicle to be repaired safely and correctly. However, many drivers do not realize how often insurance steering and OEM repair rights influence that process.
Recently introduced legislation in Georgia highlights concerns that extend far beyond one state. In fact, drivers across the country report pressure to use certain repair facilities, disputes over manufacturer procedures, and frustrating delays in supplemental approvals.
These patterns are not isolated. Instead, they reflect broader claim handling practices that affect policyholders nationwide.
What Is Insurance Steering?
Insurance steering occurs when an insurer attempts to influence your choice of repair facility.
For example, a representative may suggest a preferred shop as the “best” option, imply your claim may not be paid in full elsewhere, or create friction when you select another facility. While insurers may offer recommendations, they cannot require you to use a specific shop.
According to the National Association of Insurance Commissioners, consumers have the right to choose their repair facility when filing a claim. When a recommendation turns into pressure, steering has begun.
Why OEM Repair Rights Matter
OEM repair rights protect your ability to have your vehicle repaired according to manufacturer procedures.
Modern vehicles function as integrated systems. As a result, proper repairs often require structural measurement, advanced driver assistance system calibration, pre- and post-repair scanning, specific bonding materials, and approved replacement parts.
Automakers design vehicles to precise engineering standards. Therefore, skipping documented procedures can compromise structural performance and safety system functionality. Cost control should never override manufacturer repair documentation.
Federal safety oversight reinforces the importance of manufacturer compliance. You can review vehicle safety standards through the National Highway Traffic Safety Administration.
Even a small deviation from documented procedures can affect how a vehicle performs in a future collision.
How Claim Delays Affect Proper Repairs
During repairs, technicians frequently uncover hidden damage. When that occurs, the repair facility submits a supplemental estimate to the insurer for review.
At that stage, delays often create serious consequences. Extended approval timelines can increase rental expenses, lengthen downtime, disrupt family schedules, and create unnecessary stress.
Clear communication reduces uncertainty. Likewise, written explanations for denied or reduced line items protect consumers from confusion and help maintain transparency. Without defined timelines, policyholders remain in limbo.
Insurance Steering and OEM Repair Rights in Colorado and Beyond
Although the recent legislation applies to Georgia, similar issues affect drivers in Colorado and throughout the country. In addition, state legislatures nationwide continue to evaluate insurance regulatory practices and consumer protections. Broader policy trends can be reviewed through the National Conference of State Legislatures.
At Nylund’s Collision Center in Englewood, we regularly speak with guests who describe pressure to use certain shops, challenges obtaining approval for OEM procedures, unexplained supplemental delays, and vague coverage interpretations.
These experiences share a common theme: lack of transparency. Consumers deserve clear communication about how their vehicles will be repaired and why coverage decisions are made.
Your Rights as a Policyholder
Understanding insurance steering and OEM repair rights strengthens your position before a claim begins.
As a policyholder, you have the right to select the repair facility that works on your vehicle. Additionally, you may request repairs that follow manufacturer procedures and ask for written explanations if an insurer denies specific operations. You may also inquire whether the insurer has a financial interest in a recommended shop.
Your insurance policy represents a contract designed to protect you. It does not exist to serve an internal cost-control strategy.
Practical Steps to Protect Your Repair Rights
If you need to file a claim, proactive preparation can make a significant difference.
First, select your repair facility before discussing insurer recommendations. By doing so, you establish control over where your vehicle will be evaluated and repaired from the outset.
Next, ask whether the repair plan follows documented OEM procedures. When possible, request written confirmation so you have clear documentation of the intended scope of work.
If the insurer denies or reduces any line items, request a written explanation that references policy language. In addition, track the dates when supplemental estimates are submitted and when responses are received. Keeping a simple record not only prevents unnecessary delays but also strengthens your position if disputes arise.
Finally, maintain copies of all communication related to your claim. Organized documentation increases clarity, reduces confusion, and protects your interests throughout the repair process.
Preparation reduces conflict. More importantly, it promotes transparency.
Watch the Full Discussion
In this episode of The Airing of GRIEVEances, we break down the proposed legislation, explain why it matters beyond Georgia, and discuss how insurance steering and OEM repair rights affect drivers nationwide.
The Bottom Line
You should never feel pressured to choose a repair facility. You should never remain uncertain about manufacturer procedures. Likewise, you should not wait indefinitely for supplemental approvals.
Insurance steering and OEM repair rights protect your vehicle, your investment, and your family’s safety.
When policyholders understand their rights, insurers must respond with greater transparency. Ultimately, proper repairs require documentation, accountability, and adherence to manufacturer standards.
If you have questions about your repair options or want clarification about OEM procedures, contact Nylund’s Collision Center in Englewood, Colorado. Our team focuses on clear communication and manufacturer-compliant repairs performed according to documented standards.