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1 chapters · 1,672 sections in this title.
Mich. Comp. Laws § 500.2024 Unfair methods of competition or deception; rebates and special inducements.
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Sec. 2024. The following are defined as unfair methods of competition and unfair and deceptive acts or practices in the business of insurance: Except as otherwise expressly provided by law, knowingly permitting or offering to make or making any contract of life insurance, life an…
Mich. Comp. Laws § 500.2024a Giving merchandise to applicants for life insurance.
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Sec. 2024a. Beginning January 1, 1986, sections 2024, 2066, and 2070 shall not be construed to prohibit a life insurer or life insurance agent from giving to each applicant for a life insurance policy an article of merchandise having an invoice value of $5.00 or less.
Mich. Comp. Laws § 500.2024b Construction of MCL 500.2024, 500.2066, and 500.2070.
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Sec. 2024b. Sections 2024, 2066, and 2070 do not prohibit a property-casualty insurer or property-casualty insurance producer from giving an applicant for or an insured under a property-casualty insurance policy an article of merchandise with a cost to the insurer of $50.00 or le…
Mich. Comp. Laws § 500.2025 Unfair methods of competition or deception; exclusions from discrimination, rebates.
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Sec. 2025. Nothing in sections 2017 through 2024 shall be construed as including within the definition of discrimination or rebates any of the following practices: (1) In the case of any contract of life insurance or life annuity, paying bonuses to policyholders or otherwise abat…
Mich. Comp. Laws § 500.2026 Course of conduct indicating persistent tendency to engage in that type of conduct.
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Sec. 2026. (1) Unfair methods of competition and unfair or deceptive acts or practices in the business of insurance, other than isolated incidents, are a course of conduct indicating a persistent tendency to engage in that type of conduct and include: (a) Misrepresenting pertinen…
Mich. Comp. Laws § 500.2027 Unfair methods of competition and unfair or deceptive acts or practices; prohibited conduct.
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Sec. 2027. Unfair methods of competition and unfair or deceptive acts or practices in the business of insurance include: (a) Refusing to insure, refusing to continue to insure, or limiting the amount of coverage available to an individual or risk because of any of the following: …
Mich. Comp. Laws § 500.2028 Examination; investigation.
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Sec. 2028. Upon probable cause, the commissioner shall have power to examine and investigate into the affairs of a person engaged in the business of insurance in this state to determine whether the person has been or is engaged in any unfair method of competition or in any unfair…
Mich. Comp. Laws § 500.2029 Notice of hearing; opportunity to confer; summary disposition.
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Sec. 2029. When the commissioner has probable cause to believe that a person engaged in the business of insurance has been engaged or is engaging in this state in an unfair method of competition, or an unfair or deceptive act or practice in the conduct of his business, as prohibi…
Mich. Comp. Laws § 500.2030 Hearing; procedure; intervention; burden of proof; commissioner or designate to preside; independent hearing officer; peremptory dismissal.
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Sec. 2030. (1) At the time and place fixed for the hearing referred to in section 2029, the person shall have an opportunity to be heard, to be represented by counsel and to show cause why an order should not be made by the commissioner requiring the person to cease and desist fr…
Mich. Comp. Laws § 500.2032 Unfair methods of competition or deception; hearing; oaths; witnesses; evidence; subpoenas; contempt of court; stenographic record; statement of evidence.
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Sec. 2032. (1) The commissioner, upon the hearing referred to in section 2030, may administer oaths, examine and cross examine witnesses, and receive oral and documentary evidence. Any party to the cause shall have the power to compel the subpoena of witnesses, compel their atten…
Mich. Comp. Laws § 500.2033 Hearing; directing witness to give testimony or produce evidence; immunity; perjury; waiver of immunity or privilege.
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Sec. 2033. If any natural person shall ask to be excused from attending and testifying or from producing any books, papers, records, correspondence or other documents at any hearing on the ground that the testimony or evidence required of him or her may tend to incriminate him or…
Mich. Comp. Laws § 500.2034 Unfair methods of competition or deception; service of notices, process and other papers, return.
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Sec. 2034. Statements of charges, notices, orders, subpoenas and other processes of the commissioner under this uniform trade practices act may be served by anyone duly authorized by the commissioner, either in the manner provided by law for service of process in civil actions, o…
Mich. Comp. Laws § 500.2038 Findings and decision to be in writing; cease and desist order; other orders; stay; modification or setting aside of order.
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Sec. 2038. (1) If, after opportunity for a hearing held under the administrative procedures act of 1969, 1969 PA 306, MCL 24.201 to 24.328, the director determines that the person complained of has engaged in methods of competition or unfair or deceptive acts or practices prohibi…
Mich. Comp. Laws § 500.2039 Finality of order.
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Sec. 2039. An order issued by the commissioner pursuant to this chapter shall become final: (a) Upon the expiration of the time allowed for filing a petition for review if a petition has not been duly filed within that time, except that the commissioner may thereafter modify or s…
Mich. Comp. Laws § 500.204 Insurance commissioner; salary; oath; bond.
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Sec. 204. The commissioner shall receive an annual salary as the legislature shall appropriate, payable as other state officers are paid under the accounting laws of the state. Within 15 days from the time of notice of his or her appointment, the commissioner shall take and subsc…
Mich. Comp. Laws § 500.2040 Violation of cease and desist order; penalty; stay; contents of cease and desist order.
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Sec. 2040. (1) A person who violates a cease and desist order of the director under this chapter while the order is in effect, after notice and an opportunity for a hearing and on order of the director, may be subject to any of the following: (a) A monetary penalty of not more th…
Mich. Comp. Laws § 500.2041 Unfair methods of competition or deception; court review of orders, findings of fact conclusive, modification; additional evidence.
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Sec. 2041. (1) Any order or decision of the commissioner under this uniform trade practices act shall be subject to review as provided in section 244. The findings of fact of the commissioner, and any modification thereof as provided for in subsection (2) of this section, if supp…
Mich. Comp. Laws § 500.2043 Unfair methods of competition or deception; procedure to enjoin, jurisdiction of circuit court; filing petition; additional evidence; modification of findings; issuance of injunction; preliminary notice; application for trade conference.
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Sec. 2043. (1) Whenever the commissioner has probable cause to believe that any person engaged in the business of insurance is engaging in this state in any method of competition or in any act or practice in the conduct of such business which is not defined in sections 2005 throu…
Mich. Comp. Laws § 500.2045 Unfair methods of competition or deception; court review on petition of intervenor.
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Sec. 2045. If the finding and decision of the commissioner referred to in section 2043 does not charge a violation of this uniform trade practices act, then any intervenor in the proceedings, as defined in section 2030, may within 15 days after the service of such report, cause a…
Mich. Comp. Laws § 500.2047 Trade practice conferences; authorization by insurance commissioner; purpose; notice; scope; recommendation; rules, regulations, or standards; construction of section.
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Sec. 2047. (1) Trade practice conferences for the purpose of dealing with such trade practices as are within the purview of this uniform trade practices act and not defined in sections 2005 through 2025, or for the purpose of establishing supplementary regulations and rules relat…
Mich. Comp. Laws § 500.2049 Unfair methods of competition or deception; liability under other state laws.
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Sec. 2049. No order of the commissioner under this uniform trade practices act or order of a court to enforce the same shall in any way relieve or absolve any person affected by such order from any liability under any other laws of this state.
Mich. Comp. Laws § 500.205 Commissioner; powers.
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Sec. 205. Orders, decisions, findings, rulings, determinations, opinions, actions, and inactions of the commissioner in this act shall be made or reached in the reasonable exercise of discretion.
Mich. Comp. Laws § 500.2050 Construction of chapter.
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Sec. 2050. The enumeration in this uniform trade practices act of powers vested in the commissioner or of specific unfair methods of competition and unfair or deceptive acts and practices in the business of insurance is not exclusive or restrictive or intended to limit the powers…
Mich. Comp. Laws § 500.2055 Misrepresentation of insurer's financial condition as misdemeanor; penalty; civil liability of officers and agents; forfeiture of chartered privileges; publication of true statement; other violations as misdemeanor; penalty.
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Sec. 2055. (1) If any insurance corporation organized or operating within this state shall, by means of any advertisement, circular, notice or statement, printed or written, published, posted or circulated through and by the agency of any officer, agent or other person, or by any…
Mich. Comp. Laws § 500.2057 Misrepresentation of insurer's identity prohibited; advertising by fire insurer not limited; violation as misdemeanor; penalty.
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Sec. 2057. (1) No insurer or department or general agency of an insurer, doing business in this state, or its officers or agents, shall issue any false or misleading advertisement through newspapers or other periodicals, or any false or misleading representations by signs, cards,…
Mich. Comp. Laws § 500.2059 Maintaining or operating office for transaction of insurance business; using name of insurer in conducting or advertising business not related to business of insurance.
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Sec. 2059. (1) Except as otherwise provided in this act, a person shall not maintain or operate an office in this state for the transaction of the business of insurance or use the name of an insurer, fictitious or otherwise, in conducting or advertising a business that is not rel…
Mich. Comp. Laws § 500.206 Insurance commissioner; seal, approval, renewal.
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Sec. 206. The commissioner, with the approval of the governor, shall devise a seal, with suitable inscriptions, for his office, a description of which, with certificate of the approval of the governor, shall be filed in the office of the secretary of state, with an impression the…
Mich. Comp. Laws § 500.2062 False reports; forfeiture of franchise or right to do business; violation by officers or agents as misdemeanor; penalty.
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Sec. 2062. (1) It shall be unlawful for any person in any report required by law to be made by any insurance corporation, organized or authorized to do business in this state, to make any such statement or report as to fraudulently conceal the real facts, and if intentionally so …
Mich. Comp. Laws § 500.2064 Misrepresentation of terms of policy; future benefits or dividends prohibited; illegal inducements; violation; revocation of certificate or license; penalties.
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Sec. 2064. (1) No insurer, or any officer, director, agent or solicitor thereof shall issue, circulate or use or cause or permit to be issued, circulated or used, any written or oral statement or circular misrepresenting the terms of any policy issued or to be issued by such insu…
Mich. Comp. Laws § 500.2066 Rebates and illegal inducements prohibited; violation; revocation of license or certificate; penalties.
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Sec. 2066. (1) No insurer, by itself or any other party, and no insurance agent or solicitor, personally or by any other party, transacting any kind of insurance business shall offer, promise, allow, give, set off or pay, directly or indirectly, any rebate of, or part of, the pre…
Mich. Comp. Laws § 500.2068 Revocation of license or certificate; notice; hearing; order; review by supreme court.
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Sec. 2068. (1) Before any such license or certificate is revoked, as provided in sections 2064 and 2066 hereof, the commissioner shall notify the holder thereof in writing of the complaint against him, and require such person on a date named, not less than 15 days after service o…
Mich. Comp. Laws § 500.2069 Violation of MCL 500.2064 or 500.2066 as misdemeanor; penalty.
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Sec. 2069. An insurer, agent, solicitor, or other person that violates section 2064 or 2066 is guilty of a misdemeanor. On conviction of violating section 2066, the offender must be sentenced to pay a fine of not more than $100.00 for each violation, or in the discretion of the c…
Mich. Comp. Laws § 500.2070 Acceptance of rebate or illegal inducement prohibited; reduction of insurance; penalty.
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Sec. 2070. (1) No insured person or party shall receive or accept, directly or indirectly, any rebate of premium or part thereof, or agent's, solicitor's or broker's commission thereon, payable on the policy, or on any policy of insurance, or any favor or advantage or share in th…
Mich. Comp. Laws § 500.2075 Fire, marine or inland insurer's contract in restraint of competition prohibited; acts by agent prohibited; other prohibitions.
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Sec. 2075. (1) No fire, fire and marine, or marine and inland insurance insurer not organized under the laws of this state, but doing business therein, shall either directly or indirectly enter into any contract, agreement, arrangement, or undertaking of any nature or kind whatev…
Mich. Comp. Laws § 500.2077 Creditors; favoritism of insurer prohibited; construction of section, violation, penalty.
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Sec. 2077. (1) No person shall require, as a condition precedent to the lending of money or extension of credit, or any renewal thereof, that the person, to whom such money or credit is extended or whose obligation the creditor is to acquire or finance, negotiate any policy or co…
Mich. Comp. Laws § 500.2078 Agreements as to placements of insurance; regulations.
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Sec. 2078. Except as contained in the policy and the usual agreement for other insurance, no insurance company, insurer, corporation, partnership, or individual shall make any contract or agreement with any person insured or to be insured that the whole or any part of any insuran…
Mich. Comp. Laws § 500.208 Office of financial and insurance services; offices; expense; audit.
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Sec. 208. The department of management and budget shall assign to the office of financial and insurance services at Lansing suitable rooms for conducting the business of the division, the necessary expense of which shall be audited by the department of management and budget.
Mich. Comp. Laws § 500.2080 Life insurance company, accident insurance company, sick or funeral benefit company; prohibited conduct with regard to funeral establishment, cemetery, or seller as limited life insurance producer; authorization to sell associated life insurance policies or annuity contracts; sale of cemetery goods or services or funeral goods or services; advising customers; application form; list; statement; sufficiency of death benefit; designation of certain beneficiaries prohibited; money payments required; medical, surgical, or hospital service; conditions and criteria regarding predeath assignment of proceeds of life insurance policy or annuity contract; false or misleading statements; false, misleading, deceptive, or unfair advertising; rules; protection against certain solicitations; signed statement authorizing release of assignment proceeds; failure to sign authorization statement; conditions to sale or solicitation of sale of life insurance policy or annuity contract with intention of having purchaser assign proceeds; action to enforce compliance; damages; violation as misdemeanor; separate offenses; penalties; creation, administration, and use of funeral consumers education and advocacy fund; definitions.
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Sec. 2080. (1) A life or accident insurer authorized to do business in this state shall not own, manage, supervise, operate, or maintain a funeral establishment or permit its officers, agents, or employees to own or maintain a funeral establishment. (2) Except as otherwise provid…
Mich. Comp. Laws § 500.2082 Racial discrimination by life insurers prohibited; violation; penalty.
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Sec. 2082. (1) A life insurer doing business in this state shall not make any distinction or discrimination between individuals based on race or color as to the premiums or rates charged for policies on the lives of those individuals, or in any other manner. A life insurer doing …
Mich. Comp. Laws § 500.2086 False report by physician as to life or casualty insurance applicant; penalty, civil liability to insurer.
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Sec. 2086. Any physician who, as medical examiner for any life or casualty insurer, or as the reference of, or medical examiner for any person seeking insurance therein, shall knowingly make any false statement or report to the insurer, or any officer thereof, concerning the bodi…
Mich. Comp. Laws § 500.2088 False report by physician; claim for death, sickness or disability benefits, penalty.
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Sec. 2088. Any agent, collector, physician, insured or other person who shall make, present or cause to be presented to any insurer any false, dishonest or fraudulent certificate or report of death, sickness or disability of any kind or nature, or any false, dishonest or fraudule…
Mich. Comp. Laws § 500.2091 Unlawful advertising; notice to supervisory official.
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Sec. 2091. No unauthorized foreign or alien insurer shall make, issue, circulate or cause to be made, issued or circulated to residents of this state any estimate, illustration, circular, pamphlet or letter, or cause to be made in any newspaper, magazine or other publication, or …
Mich. Comp. Laws § 500.2092 Unlawful advertising; failure to cease and desist, procedure.
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Sec. 2092. If after 30 days following the giving of the notice mentioned in section 2091 the insurer has failed to cease making, issuing or circulating such false misrepresentations or causing the same to be made, issued or circulated in this state, and if the commissioner has re…
Mich. Comp. Laws § 500.2093 Enforcement of act against foreign or alien insurer; procedure.
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Sec. 2093. (a) Any of the following acts in this state, effected by mail or otherwise, by any unauthorized foreign or alien insurer: (1) the issuance or delivery of contracts or insurance to residents of this state, (2) the solicitation of applications for such contracts, (3) the…
Mich. Comp. Laws § 500.210 Insurance commissioner; regulatory powers.
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Sec. 210. The commissioner shall promulgate rules and regulations in addition to those now specifically provided for by statute as he may deem necessary to effectuate the purposes and to execute and enforce the provisions of the insurance laws of this state in accordance with the…
Mich. Comp. Laws § 500.2101 Meanings of words and phrases.
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Sec. 2101. For purposes of this chapter, the words and phrases defined in sections 2102 to 2104 have the meanings ascribed to them in those sections.
Mich. Comp. Laws § 500.2102 Definitions; A to D.
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Sec. 2102. (1) "Affiliate of", or an insurer "affiliated with" an insurer, means an insurer that directly, or indirectly through 1 or more intermediaries, controls, or is controlled by, or is under common control with the insurer specified. (2) "Automobile insurance" means insura…
Mich. Comp. Laws § 500.2103 Definitions; E to I.
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Sec. 2103. (1) "Eligible person", for automobile insurance, means a person who is an owner or registrant of an automobile registered or to be registered in this state or who holds a valid license to operate a motor vehicle issued by this state, but does not include any of the fol…
Mich. Comp. Laws § 500.2104 Definitions; P to U.
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Sec. 2104. (1) "Private passenger nonfleet automobile" means a motorized land vehicle designed for transporting passengers or goods, subject to specific contemporary definitions for insurance purposes pursuant to section 3303. (2) "Repair cost policy" means a home insurance polic…
Mich. Comp. Laws § 500.2105 Automobile insurance or home insurance to conform with chapter; exceptions; group plan requirements; group discounts; applicability to certain insurers; effective date.
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Sec. 2105. (1) A policy of automobile insurance or home insurance must not be offered, bound, made, issued, delivered or renewed in this state unless the policy conforms to this chapter. (2) Except as otherwise expressly provided in subsection (4) and this chapter, this chapter d…