™Your Policy Risk Impact Agent
1 chapters · 1,672 sections in this title.
Mich. Comp. Laws § 500.3175 Rules for assignment of claims; duties of insurer to whom claims assigned; compromises and settlements; procedures; limitation on action to enforce rights; interest on delinquent payments; installment payments; default.
4.1K chars
Sec. 3175. (1) The assignment of claims under the assigned claims plan must be made according to procedures established in the assigned claims plan that assure fair allocation of the burden of assigned claims among insurers doing business in this state on a basis reasonably relat…
Mich. Comp. Laws § 500.3176 Taking costs into account in making and regulating rates.
0.3K chars
Sec. 3176. Reasonable costs incurred in the handling and disposition of assigned claims, including amounts paid pursuant to assessments under section 3171, shall be taken into account in making and regulating rates for automobile liability and personal protection insurance.
Mich. Comp. Laws § 500.3177 Recovery by insurer of benefits and costs from owner or registrant of uninsured motor vehicle; written agreement to pay judgment in installments; notice.
2.6K chars
Sec. 3177. (1) The insurer obligated to pay personal protection insurance benefits for accidental bodily injury to a person arising out of the ownership, maintenance, or use of an uninsured motor vehicle as a motor vehicle may recover all benefits paid, incurred loss adjustment c…
Mich. Comp. Laws § 500.3178 Annual report.
0.5K chars
Sec. 3178. After an assigned claims plan is approved under section 3171(3), the Michigan automobile insurance placement facility board of governors shall report annually to the commissioner and the commissioner shall report to the standing committees of the senate and house of re…
Mich. Comp. Laws § 500.3179 Act applicable October 1, 1973.
0.1K chars
Sec. 3179. This act applies to motor vehicle accidents occurring on or after October 1, 1973.
Mich. Comp. Laws § 500.3181 "Managed care option" defined.
0.3K chars
Sec. 3181. As used in this chapter, "managed care option" means an optional coverage selected by an insured at the time a policy is issued that includes, but is not limited to, the monitoring and adjudication of an injured person's care, the use of a preferred provider program or…
Mich. Comp. Laws § 500.3182 Applicability of chapter.
0.1K chars
Sec. 3182. This chapter applies to all automobile insurance whether written on an individual or group basis.
Mich. Comp. Laws § 500.3183 Automobile insurer; offering of managed care option; requirements.
0.8K chars
Sec. 3183. An automobile insurer may offer a managed care option that provides for allowable expenses consisting of all reasonable charges incurred for reasonably necessary products, services, and accommodations for an injured person's care, recovery, or rehabilitation. This mana…
Mich. Comp. Laws § 500.3184 Offer of personal protection insurance benefits required for certain managed care options.
0.2K chars
Sec. 3184. An automobile insurer that offers a managed care option under this chapter shall also offer personal protection insurance benefits under section 3107(1)(a) that are not subject to the managed care option.
Mich. Comp. Laws § 500.3185 Application of managed care option.
0.3K chars
Sec. 3185. The managed care option must apply to the insured who selects the managed care option and any person who resides in an area where the managed care option is available and who is claiming personal protection insurance benefits under the policy with the managed care opti…
Mich. Comp. Laws § 500.3186 Managed care option; deductibles and co-pays.
0.1K chars
Sec. 3186. A managed care option may provide for deductibles, co-pays, or both deductibles and co-pays.
Mich. Comp. Laws § 500.3187 Managed care option; requirements.
0.8K chars
Sec. 3187. A managed care option must provide for all of the following: (a) That personal protection insurance benefits are primary and will not be coordinated with other health and accident coverage on the individual claiming personal protection insurance benefits under the poli…
Mich. Comp. Laws § 500.3188 Selection of managed care option; written disclosure statement; requirements.
1.4K chars
Sec. 3188. At the time of the initial selection of the managed care option by the insured, an automobile insurer shall obtain a signed acknowledgment that the insured received a written disclosure statement approved by the director or a written disclosure statement that includes …
Mich. Comp. Laws § 500.3189 Managed care disclosure statement; additional requirements.
0.3K chars
Sec. 3189. The disclosure statement under section 3188 must include a postal mailing address and either a toll-free telephone number or an internet website address that insureds or applicants for insurance may write, call, or otherwise access for information on the managed care o…
Mich. Comp. Laws § 500.3204 Refusal to renew policy as cancellation; requisites.
0.5K chars
Sec. 3204. (1) No insurer shall cancel a policy of automobile liability insurance issued after November 1, 1966, in pursuance of their certificate of authority by the department unless the cancellation is effected pursuant to the applicable provisions of this chapter. (2) Refusal…
Mich. Comp. Laws § 500.3206 Policy of automobile insurance; definition.
0.2K chars
Sec. 3206. As used in this chapter, "policy of automobile insurance" means a policy insuring private passenger automobiles, including those used in a car pool, or that portion of a combination policy which insures private passenger automobiles.
Mich. Comp. Laws § 500.3208 Inapplicability of chapter; termination of coverage at end of policy period.
0.5K chars
Sec. 3208. This chapter shall not be applicable with respect to termination of coverage at the end of any policy period or at any annual anniversary date of any policy which specifies no term, nor shall it be applicable with respect to any cancellation for failure of the named in…
Mich. Comp. Laws § 500.3212 Inapplicability of chapter; nonpayment of premiums.
0.3K chars
Sec. 3212. The provisions of this chapter are not applicable to cancellations occasioned by nonpayment of premiums and no hearings on appeals or other statutory provisions within this chapter are to be binding on any policy of insurance coverage that lapses due to nonpayment of p…
Mich. Comp. Laws § 500.3220 Cancellation; reasons.
0.7K chars
Sec. 3220. Subject to the following provisions no insurer licensed to write automobile liability coverage, after a policy has been in effect 55 days or if the policy is a renewal, effective immediately, shall cancel a policy of automobile liability insurance except for any 1 or m…
Mich. Comp. Laws § 500.3224 Denial of coverage; notice of cancellation.
1.2K chars
Sec. 3224. (1) The cancellation of a policy of insurance within the 55-day period enumerated in subdivision (a) of section 3220 shall not be subject to appeal by the insured. Failure to disclose the cancellation by any insured upon any application for insurance shall not be groun…
Mich. Comp. Laws § 500.3230 Validity of cancellation; request for hearing.
0.3K chars
Sec. 3230. Any insured who wishes to contest the grounds of cancellation, within 7 days after the date of postmark indicating mailing of the notice of cancellation, which date shall be impressed upon the notice, shall file a written request for hearing directed to the commissione…
Mich. Comp. Laws § 500.3234 Validity of cancellation; appeal, hearing by insurance commissioner, notice.
0.6K chars
Sec. 3234. Within 10 days after receiving the notice of appeal from the insured, the commissioner or his officially appointed designees shall hold a hearing to determine the validity of the cancellation. The notice of the hearing shall be mailed to the insured and the insurer at …
Mich. Comp. Laws § 500.3240 Validity of cancellation; conduct of hearing, determination.
0.3K chars
Sec. 3240. At the hearing both parties shall have an opportunity to be heard and to be represented by counsel of their own choosing if they desire. The commissioner or his duly designated representative shall make his determination in writing stating his disposition of the matter…
Mich. Comp. Laws § 500.3244 Validity of cancellation; order for reinstatement or upholding cancellation; stay of cancellation; appeal.
0.6K chars
Sec. 3244. The commissioner or his designated representative shall either order the policy reinstated or he may uphold the cancellation. The commissioner may stay the cancellation of the policy pending his determination in writing stating his disposition of the matter. Any person…
Mich. Comp. Laws § 500.3250 Statements in cancellation notice; liability.
0.4K chars
Sec. 3250. There shall be no liability on the part of, and no cause of action of any nature shall arise against, any insurer or authorized representative, or its agents or employees, or the commissioner or his authorized representative for any statements made by them in any writt…
Mich. Comp. Laws § 500.3254 Filing fee; return to insured; disposition of funds.
0.2K chars
Sec. 3254. If the insured prevails in his appeal, the filing fee paid by the insured shall be returned to him by the insurer. All moneys collected under the provisions of this act shall be deposited to the credit of the general fund of the state.
Mich. Comp. Laws § 500.3260 Insurance commissioner; regulatory powers.
0.3K chars
Sec. 3260. The commissioner may make rules and regulations necessary for administration of this chapter. The rules shall be promulgated in accordance with the provisions of Act No. 88 of the Public Acts of 1943, as amended, being sections 24.71 to 24.80 of the Compiled Laws of 19…
Mich. Comp. Laws § 500.3262 Private automobiles of peace officers, fire fighters, or ambulance drivers; cancellation of insurance; “ambulance driver” defined.
0.7K chars
Sec. 3262. An insurer shall not cancel or refuse to renew a policy of insurance of any peace officer, fire fighter, or ambulance driver on his or her private automobile due to accident rate statistics compiled by the peace officer, fire fighter, or ambulance driver while driving …
Mich. Comp. Laws § 500.3301 Michigan automobile insurance placement facility; purpose; participation.
0.6K chars
Sec. 3301. (1) Every insurer authorized to write automobile insurance in this state shall participate in an organization for the purpose of doing all of the following: (a) Providing the guarantee that automobile insurance coverage will be available to any person who is unable to …
Mich. Comp. Laws § 500.3303 Definitions.
3.9K chars
Sec. 3303. As used in this chapter: (a) "Automobile insurance" means insurance for automobiles which provides any of the following: (i) Security required pursuant to section 3101. (ii) Personal protection, property protection, and residual liability insurance for amounts in exces…
Mich. Comp. Laws § 500.3310 Board of governors of facility; election and appointment of governors; representation of insurance agents and general public; terms; vacancies; adoption of plan of operation by facility committee; approval of plan; amendments and adherence to plan.
2.1K chars
Sec. 3310. (1) The board of governors of the facility shall consist of 11 governors. Seven of the governors shall be elected as provided in the plan of operation. Four governors shall be appointed by the commissioner, of which 2 shall represent insurance agents subject to section…
Mich. Comp. Laws § 500.3320 Private passenger nonfleet automobiles; duties of facility; insurance requirements.
3.2K chars
Sec. 3320. (1) The facility, with respect to private passenger nonfleet automobiles, shall provide for all of the following: (a) The equitable distribution of applicants to designated participating members in accordance with the plan of operation. (b) Issuance of policies of auto…
Mich. Comp. Laws § 500.3321 Automobiles not included in MCL 500.3320; insurance required; equitable distribution of applicants to participating members.
0.7K chars
Sec. 3321. The facility shall provide, with respect to all automobiles not included in section 3320: (a) Only the insurance required by law or required by the commissioner of insurance. The commissioner may only require insurance for which a rate has been filed by an insurance ra…
Mich. Comp. Laws § 500.3330 Board of governors; powers generally; establishment of automatic data processing system.
2.4K chars
Sec. 3330. (1) The board of governors has the power to direct the operation of the facility, including, at a minimum, the power to do all of the following: (a) To sue and be sued in the name of the facility. A judgment against the facility shall not create any liabilities in the …
Mich. Comp. Laws § 500.3340 Filing of classifications, rules, rates, and amendments thereto; approval; use of rates and rules; certain laws inapplicable; requirements for private passenger nonfleet automobile rates.
3.3K chars
Sec. 3340. (1) As agent for participating members, the facility shall file with the commissioner every manual of classification, every manual of rules and rates, every rating plan and every modification of a manual of classification, manual of rules and rates, or rating plan prop…
Mich. Comp. Laws § 500.3341 Coverage for certain convictions; premium surcharges.
1.8K chars
Sec. 3341. As part of its secondary or merit rating plan, the facility shall provide for premium surcharges for any or all coverages, other than comprehensive coverage, for convictions for 1 or more of the following, when that information becomes available to the facility: (a) A …
Mich. Comp. Laws § 500.3350 Additional duties of facility.
1.1K chars
Sec. 3350. The facility shall provide for all of the following: (a) One or more optional deferred premium payment plans, which shall require an advance payment at least equal to 25% of the total premium or $100.00, whichever is greater. (b) That policies issued on facility placed…
Mich. Comp. Laws § 500.3355 Agent; duties; disqualification by facility; notice; request for hearing; ruling by board of governors; appeal; prohibited conduct by disqualified agent; standards and procedures.
4.8K chars
Sec. 3355. (1) Every agent who is authorized to solicit, negotiate, or effect automobile insurance on behalf of any participating member shall: (a) Offer to place automobile insurance through the facility for any qualified applicant requesting the agent to do so. (b) If the quali…
Mich. Comp. Laws § 500.3360 Participating member and agent; relationship.
0.3K chars
Sec. 3360. A participating member may not include the premiums and losses incurred from risks insured through the facility in determining the loss ratio of any of its agents, or otherwise use the experience from such risks as cause for altering the relationship between the partic…
Mich. Comp. Laws § 500.3365 Eligibility for automobile insurance; requesting assignment, rejecting assignment, or requesting reassignment; notice of statutory eligibility standards.
1.1K chars
Sec. 3365. (1) Any qualified applicant shall be eligible for automobile insurance as provided by this chapter through the facility. (2) Any qualified applicant shall have the right to request assignment, reject assignment, or request reassignment to any designated participating m…
Mich. Comp. Laws § 500.3370 Assistance in applying to facility for placement.
0.4K chars
Sec. 3370. If the commissioner finds, after a hearing, held pursuant to Act No. 306 of the Public Acts of 1969, as amended, or if the board of governors, upon its own motion, finds that a large number of persons are failing to gain the benefits of the facility, the facility shall…
Mich. Comp. Laws § 500.3380 Hearing and ruling by board of governors; grounds; applicability of right to hearing; filing request for hearing; hearing to be prompt and fair; appeal; order.
1.2K chars
Sec. 3380. (1) Any participating member, applicant, or person insured under a policy placed through the facility may request a formal hearing and ruling by the board of governors of the facility on any of the following: (a) An alleged violation of the plan of operation. (b) Any a…
Mich. Comp. Laws § 500.3385 Recoupment of assessments; surcharge; rate including factor for recoupment.
0.4K chars
Sec. 3385. Any assessments paid by participating members pursuant to section 3330(1)(c) may be recouped through a surcharge in the insurers rates for automobile insurance policies issued by the member, including policies issued on behalf of the facility. A rate shall not be consi…
Mich. Comp. Laws § 500.3390 Determinations made by commissioner.
0.3K chars
Sec. 3390. Determinations made by the commissioner pursuant to this chapter shall be made independent of the credits provided to insurers pursuant to the former single business tax act, 1975 PA 228, or the Michigan business tax act, 2007 PA 36, MCL 208.1101 to 208.1601.
Mich. Comp. Laws § 500.3400 Definitions; scope of chapter, exemptions, exceptions.
2.3K chars
Sec. 3400. (1) As used in this chapter: (a) "Affiliated provider" means a health professional, licensed hospital, licensed pharmacy, or other person that has entered into a participating provider contract, directly or indirectly, with a health maintenance organization to render 1…
Mich. Comp. Laws § 500.3401a Group disability insurance; issuance; filing and approval of form.
0.4K chars
Sec. 3401a. (1) An insurer authorized to write disability insurance in this state may issue group disability insurance policies. (2) Except as otherwise provided in section 2236(8)(d), an insurer shall not deliver or issue for delivery in this state a group disability insurance p…
Mich. Comp. Laws § 500.3402 Disability insurance policy; provisions required.
1.1K chars
Sec. 3402. An insurer shall not deliver or issue for delivery in this state a disability insurance policy for an individual or family unless all of the following requirements are met: (a) The entire money and other considerations for the policy are expressed in the policy. (b) Th…
Mich. Comp. Laws § 500.3402a Group disability insurance policy; provisions required.
1.4K chars
Sec. 3402a. An insurer shall include all of the following provisions in a group disability insurance policy: (a) That the policy, application of the employer or of an executive officer or trustee of an association, and the individual applications, if any, of the employees or memb…
Mich. Comp. Laws § 500.3402b Group or nongroup disability insurance policy; coordination of benefits; provision; limitation; "other coverage" defined; payment by each insurer.
2.5K chars
Sec. 3402b. (1) Subject to the coordination of benefits act, 1984 PA 64, MCL 550.251 to 550.255, an insurer may include in a group or nongroup disability insurance policy a provision for the coordination of benefits otherwise payable under the policy with benefits payable for the…
Mich. Comp. Laws § 500.3402c Family expense insurance policy.
1.8K chars
Sec. 3402c. (1) For purposes of this chapter, family expense insurance is accident and health insurance that is written under 1 policy issued to the head of a family who may be either spouse and that insures the head of the family and 1 or more dependents, including a nondependen…