Our Positions | Anti-Steering

An auto accident requiring vehicle repair is typically, at a minimum, an inconvenient disruption in the auto owner’s life. It is also an opportunity for an insurance company to provide needed service by assisting the auto owner through the claims process. Operating in an intensely competitive environment, many insurance companies have developed streamlined processes in which enhanced services are provided when an insured uses one of the insurer’s recommended, or preferred, auto repair shops. However, some segments of the auto repair industry not aligned with insurers have sought to interfere with this relationship by limiting insurers’ ability to make those recommendations.

Under the preferred repair shop model, insurers negotiate with shops to designate them as preferred shops because they are able to perform repairs quickly and efficiently, and can keep costs low while delivering exceptional service. Insurers designate certain shops as preferred because they meet high standards regarding equipment, training, and service. These shops are typically authorized to begin repairs right away without having to receive approval from adjusters or appraisers. It is because preferred shops can deliver such a high level of service that they are frequently chosen by consumers to perform their repairs.

NAMIC Position

NAMIC believes consumers should be able to choose where to have their cars repaired, and it opposes legislative or regulatory measures that would impair insurers’ ability to make recommendations regarding repair options that are potentially beneficial to the consumer.

Senate Judiciary Subcommittee Talks Antitrust

September 23, 2019 The Senate Judiciary’s Subcommittee on Antitrust, Competition Policy, and Consumer Rights held an oversight hearing Sept. 17 on enforcement of antitrust laws. Appearing before the panel were Joseph Simons, chairman of the Federal Trade Commission, and... Read more

Louisiana: Anti-Steering Law Amended

June 19, 2019 Enacted HB 411 amends Louisiana’s anti-steering law to add new prohibitions and establish... Read more

Vermont DFR Withdraws Two Bulletins Related to Total Loss Settlements

April 25, 2019 The Vermont Department of Financial Regulation withdrew two bulletins related to total loss settlements on April 22. Withdrawn Bulletin # 162 was issued on Aug. 10, 2011 and Withdrawn Bulletin # 182 was issued on January 22, 2015. Read more

FTC to Host Workshop on Third-Party Repairs and Consumer Protections

April 22, 2019 The staff of the Federal Trade Commission will host a workshop July 16 to examine ways in which manufacturers may limit third-party repairs and is seeking research focused on such limitations. The workshop will focus on how manufacturers may limit... Read more

California: Auto Repair Labor Rates Bill Died at End of Session

September 4, 2018 AB 2276, Motor Vehicle Insurance: Auto Body Repair, which NAMIC actively supported in conjunction with its state advocacy partners, died in the Senate after passing out of the Assembly by a 58-1 vote. The two-year legislative session adjourned at the... Read more


Jon Bergner
Vice President - Public Policy and Federal Affairs