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HB 1117

Insurance; claims processing for repairs under motor vehicle liability insurance policies; provide

2025-2026 Regular Session Introduced by Mike Cheokas and 5 co-sponsors

Georgia bill HB 1117 establishes standardized claims processing requirements for vehicle repair insurance claims to ensure timely approval and payment decisions by insurers.

House Second Readers
#insurance #motorvehiclesandtraffic
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Bill Summary · HB 1117

Legislative bill overview

HB 1117 establishes new requirements for how insurance companies must process and handle claims for vehicle repairs under motor vehicle liability insurance policies in Georgia. The bill appears to standardize timelines and procedures for repair claim approval, payment, and dispute resolution between insurers and repair shops.

Why is this important

Motor vehicle repair claims represent a significant consumer touchpoint where delays or disputes can leave drivers without transportation while their cars are being fixed. Standardizing claims processing protects both consumers from unreasonable claim denials or delays and repair shops from payment disputes, while potentially reducing litigation costs in the insurance system.

Potential points of contention

  • Insurer compliance costs: Insurance companies may argue that rigid timelines and procedures increase operational expenses, which could be passed to consumers through higher premiums
  • Preferred vs. independent repair shops: The bill's language on repair shop selection could favor large chains or preferred vendor networks over smaller independent mechanics, affecting consumer choice
  • Definition of "reasonable" repairs: Disputes may arise over what constitutes reasonable repair costs and timelines, potentially creating litigation rather than reducing it

Compiled from official sources — confirm details with the bill’s official record.

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