Code of Massachusetts Regulations 212 CMR - THE APPRAISAL AND REPAIR OF DAMAGED MOTOR VEHICLES
Code of Massachusetts Regulations – 212 CMR: The Appraisal and Repair of Damaged Motor Vehicles is a set of rules established by the Massachusetts Division of Insurance. It governs the conduct of auto damage appraisers and the repair process of damaged motor vehicles, especially in the context of insurance claims.
Overview of 212 CMR – Key Sections:
Here are some key areas typically covered in 212 CMR:
1. Purpose and Scope (212 CMR 2.00)
Ensures fair and uniform standards for appraising and repairing damaged vehicles.
Applies to all insurance companies, appraisers, and auto repair shops operating in Massachusetts.
2. Licensing of Appraisers
Auto damage appraisers must be licensed by the Division of Insurance.
Includes requirements for education, examination, and ethical conduct.
3. Appraisal Procedures
Appraisers must personally inspect the vehicle before writing an estimate.
Use of aftermarket or used parts must be clearly noted and justified.
A written appraisal must be provided to the vehicle owner.
4. Repair Shop Interaction
Insurers cannot force a consumer to use a specific repair shop (anti-steering rule).
Repairs must follow the appraiser’s written estimate unless agreed changes are documented.
5. Consumer Rights
Vehicle owners must be informed of their rights, including the right to select a repair shop.
Estimates must be transparent and include specific costs for labor and parts.
6. Violations and Penalties
Penalties for violations may include suspension or revocation of an appraiser's license.
Consumers may file complaints with the Division of Insurance.
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