Revise insurance laws relating to automobile body repair

SB 356 would prohibit Montana insurance companies from forcing car owners (claimants) to use specific auto body repair shops or ignoring manufacturer repair instructions. It requires insurers to provide a neutral list of nearby, approved repair shops if requested, while allowing claimants to choose any shop they prefer. The bill also prevents insurers from charging more than market price for repairs and bans shops from overcharging claimants. It directly affects insurers, auto body repair businesses, and car owners filing insurance claims for vehicle damage. The law would have taken effect immediately upon passage but died in committee in May 2025.