Understanding Your Legal Rights
Educate Yourself To Be A Customer And Not A Victim
Filing an insurance claim for a windshield can be very easy if you use the right Glass Shop that truly puts your family investment and, most of all, SAFETY first.
Third-party administrator (TPA) billing or Networks work for most insurance companies to hold cost down. These folks have no expertise in the auto glass replacement industry; their goal is cost containment.
Keeping cost down is okay if it does not compromise the structural integrity of your car or affect the on-board safety systems know as ADAS, putting your family in harm’s way.
Your Family’s Safety Is In The Hands Of An Unregulated Industry
Listen to John Fransway’s story, and it will change the way you look at the auto glass industry
6 Questions you need to ask before choosing a glass shop:
- Is the shop doing the work AGSC registered? The Auto Glass Safety Council is a not-for-profit organization that ensures registered glass shops are following the AGRSS Auto Glass Replacement Safety Standards?
- Is the technician doing my work AGSC certified? Or is he or she a Master Tech or a General Tech?
- Is the technician certified in the urethane/adhesive he or she is using?
- What is the safe drive away time after the windshield is installed?
- What types of parts are used?
- Does the shop doing the work have a proper insurance certificate to do work at my home or place of employment? Does the shop have liability and a work comp policy that is current?
Michigan state law requires shops to disclose the parts being used and tell you in writing if the parts are aftermarket (parts not used by the original equipment manufacturer).
Read Michigan State Law:
AFTERMARKET CRASH PARTS ACT (EXCERPT)
Act 158 of 1991
257.1363 Non-OEM aftermarket crash parts; use.
If an insurer requests the use of non-OEM aftermarket crash parts in the repair of an insured’s motor vehicle, a repair facility or installer may use non-OEM aftermarket crash parts to repair a vehicle only if the insured receives a written estimate of repairs that clearly identifies each non-OEM aftermarket crash part and that contains or has attached to it in not less than 10-pont bold type the following information:
“This estimate has been prepared based on the use of aftermarket crash parts supplied by a source other than the manufacturer of your motor vehicle. Warranties that apply to these replacement parts are provided by the manufacturer, distributor, or insurer of these parts.”
History: 1991, Act 158, Eff. Feb. 1, 1992
PA 190 of 2004
“Auto Repair Rights Under a Michigan Automobile Policy”
Auto insurers may have preferred provider networks (also known as direct repair programs) of auto and glass repair facilities and refer insured consumers to certain repair facilities. However, consumers ultimately have the choice of where their vehicle will be repaired (granted their insurance covers the damage, usually through comprehensive or collision coverage).
Under the Michigan Insurance Code (1956 PA 218; MCL 500.100 et seq.), insurers are prohibited from forcing a consumer to have auto repairs done at a selected facility. The law states: “An automobile insurance policy and an automobile insurer and its employees, agents, and adjusters shall not unreasonably restrict an insured from using a particular person, place, shop, or entity for the providing of any automobile repair or automobile glass repair or replacement service or product covered by the policy” (MCL 500.2110b). Disclosures to consumers are also required of an insurer in connection with preferred provider network referrals.
This page is designed to protect you and help you understand your rights. The TPA takes no responsibility of whether you get a safe, quality installation—it is up to you, the customer!
Therefore, it is important to do your research, understand your rights, and select a glass shop that cares about you. Be aware that…
- Most shops aren’t AGSC registered.
- Most glass shops do not have AGSC certified technicians.
- A lot of shops don’t carry the proper insurance to do mobile work.
Check out these websites for more information:
www.agsc.org (Find a registered shop and tech in your area.)
In most states, there are no laws that require shops to be licensed or certified. Because of this the Auto Glass Safety Council is the only source that is holding shops accountable. With the technology of today’s cars this is becoming a real issue, and will only change through training and education.