211 CMR 56.07 - Disclosures to Consumers
Every insured under a
(a) An explanation of the insured's rights
and obligations under the plan , including a brief description of the
appropriate claims procedure as described above in
211 CMR
56.05(2);
(b) Identification of the repair shop (s) or
individual(s) who shall perform the repair work in the event of a
claim;
(c) A statement that if the
repair is made at a registered repair shop which is one of the insurer 's
participating repair shops, neither the repair shop nor the insurer shall
require the claimant to pay more than any applicable deductible to have the
repair work completed, and any dispute as to the amount of the appraised damage
shall be resolved between the participating repair shop and the
insurer;
(d) A statement that the
insured may elect to participate in the plan and receive a list of
participating repair shops, which may be updated at the time of any claim, or,
should a claim arise under the policy, the insured may choose to pursue the
claim without regard to the plan , but that the claim will be subject to the
permissible benefit limitations imposed in accordance with
211 CMR
56.05(10);
(e) Disclosure of the dollar amount or
percentage discount offered in conjunction with the participating repair shop
endorsement;
(f) Disclosure, if
applicable, of the fact that the insurer 's participating repair shops are
contractually bound to install used or non-OEM parts instead of new or OEM
parts whenever available, are appropriate and safe;
(g) A statement that if the claimant agrees
to participate in the participating repair shop plan, he or she receives the
appropriate discount on the premium charges, and at the time of a claim, in
fact has repairs performed at a participating repair shop, the insurer will
guarantee the materials and workmanship of the repair, and the cost of the
repair to the claimant will not exceed the amount of any applicable
deductible;
(h) The procedure for
resolving claimants' disputes concerning access and quality of repairs under
the plan ; and
(i) Such other
information as will aid the claimant in exercising his or her rights under the
plan, including provisions regarding emergency repairs and criteria used in
determining which shops shall be listed among the insurer's participating
shops.
Notes
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