The insurer’s appraiser “shall inspect the damaged motor vehicle within four (4) business days after the written demand is received,” provided the vehicle is on the premises of the repair shop when the request is made. Blow that window, and the consequence is steep. Under the bill, if the appraiser fails to inspect in time, “the insurer shall forfeit its right to inspect the damaged vehicle prior to repairs,” and negotiations are limited to labor and the price of parts. The insurer also loses the ability to dispute whether damage exists or how the car should be fixed, unless it provides “objective evidence to the contrary.”
