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Florida Antisteering Laws and Regulations


Editor's note: Antisteering laws limit an insurer's or other institution's ability to recommend or direct you to a specific repair facility. Steering is regarded as restraint of trade and business interference.

No insurer shall require a claimant to travel an unreasonable distance to inspect a replacement automobile, to obtain a repair estimate, or to have the automobile repaired at a specific repair shop. The reasonableness of the distance shall be determined on a case-by-case basis, taking into account the particular facts and circumstances involved

Every insurer that elects to repair a vehicle and designates a specific repair shop for vehicle repairs shall cause the damaged vehicle to be restored to its physical condition prior to the loss at no additional cost to the claimant. other than as stated in the policy.

Every insurer shall. if partial losses are settled on the basis of a written estimate prepared by or for the insurer, supply the insured a copy of the estimate upon which the settlement is based. The estimate prepared by or for the insurer shall be reasonable, in an amount which will allow for repairs to be made in a workmanlike manner, in accordance with applicable policy provisions. If the insured subsequent claims, based upon a written estimate which he or she obtains. that necessary repairs will exceed the written estimate prepared by or for the insurer, the insurer may pay the difference between the written estimate and a higher estimate obtained by the insured, or reach an agreed repair cost with the repair shop which prepared the estimate. In the alternative, the insurer shall promptly provide the insured with the name of at least one repair shop within a reasonable distance that will make the repairs for the amount of the written estimate prepared by or for the insurer. The insurer shall maintain documentation of all such communications.

Source: Automotive Service Association

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