Michigan Compiled Laws 218-1956-21 Chapter 21 (500.2101...500.2138)

• Section 500.2101 Meanings Of Words And Phrases.
  For purposes of this chapter, the words and phrases defined in sections 2102 to 2104 have the meanings ascribed to them in those sections....
• Section 500.2102 Definitions; A To D.
  (1) “Affiliate of”, or an insurer “affiliated with” an insurer, means an insurer that directly, or indirectly through 1 or more intermediaries, controls, or...
• Section 500.2103 Definitions; E To I.
  (1) “Eligible person”, for automobile insurance, means a person who is an owner or registrant of an automobile registered or to be registered in...
• Section 500.2104 Definitions; P To U.
  (1) “Private passenger nonfleet automobile” means a motorized land vehicle designed for transporting passengers or goods, subject to specific contemporary definitions for insurance purposes...
• Section 500.2105 Automobile Insurance Or Home Insurance To Conform With Chapter; Exceptions.
  (1) No policy of automobile insurance or home insurance shall be offered, bound, made, issued, delivered or renewed in this state on and after...
• Section 500.2106 Applicability Of Chapters 24 And 26; Use Of Rates; Inconsistent Provisions.
  Except as specifically provided in this chapter, the provisions of chapter 24 and chapter 26 shall not apply to automobile insurance and home insurance....
• Section 500.2107 Filings; Review; Disputes; Approval; Order Of Disapproval; Revised Filing.
  (1) On or before September 1, 1980, each insurer subject to this chapter shall make filings in accordance with this chapter for automobile insurance,...
• Section 500.2108 Filing Of Manual Or Plan; Statement Of Character And Extent Of Coverage; Maintaining Rates In Effect For Eligible Persons; Insurer As Member Of Or Subscriber To Rating Organization; Deviations; Certification, Contents, And Public Inspection Of Filing; Trade Secret; Contract Or Policy To Be In Accordance With Filings.
  (1) On the effective date of a manual of classification, manual of rules and rates, rating plan, or modification of a manual of classification,...
• Section 500.2109 Rates For Automobile Insurance And Home Insurance; Requirements; Determining Existence Of Reasonable Degree Of Competition.
  (1) All rates for automobile insurance and home insurance shall be made in accordance with the following provisions: (a) Rates shall not be excessive,...
• Section 500.2110 Development And Evaluation Of Rates; Considerations; Systems Of Expense Provisions; Grouping Risks By Classifications.
  (1) In developing and evaluating rates pursuant to the standards prescribed in section 2109, due consideration shall be given to past and prospective loss...
• Section 500.2110a Premium Discount Plan.
  If uniformly applied to all its insureds, an insurer may use factors in addition to those permitted by section 2111 for insurance if the...
• Section 500.2110b Use Of Automobile Repair Or Automobile Glass Repair Or Replacement Service; Unreasonable Restriction Prohibited; Disclosure; Notice To Consumers; Development Of Plan.
  (1) An automobile insurance policy and an automobile insurer and its employees, agents, and adjusters shall not unreasonably restrict an insured from using a...
• Section 500.2111 Classifications And Territorial Base Rates For Automobile Insurance Or Home Insurance; Conformity With Applicable Requirements; Additional Factors.
  (1) Notwithstanding any provision of this act or this chapter to the contrary, classifications and territorial base rates used by an insurer in this...
• Section 500.2111a Completion Of Traffic Accident Prevention Course; Premium Discount To Insureds 50 Years Of Age And Older; Provisions.
  (1) Notwithstanding section 2111, an automobile insurer may offer a premium discount to insureds 50 years of age and older who successfully complete a...
• Section 500.2111b, 500.2111c Repealed. 1991, Act 191, Eff. Apr. 1, 1992.
  Compiler's Notes: The repealed sections pertained to prohibited territorial base rate and reports.Popular Name: Act 218Popular Name: Essential InsurancePopular Name: No-Fault Insurance
• Section 500.2111d Home Insurance; Premium Discount Plan For Senior Citizens.
  Notwithstanding section 2111, an insurer may establish or maintain for home insurance a premium discount plan for senior citizens in this state who are...
• Section 500.2111e Rates Increase Prohibited; Applicability Of Section.
  Notwithstanding any other provision of this act, an automobile insurer shall not raise rates for automobile insurance before April 1, 1992. This section shall...
• Section 500.2112 Written Notice To Policyholder; Information Available Upon Request; Contact Information; Manner Of Providing; Trade Secret.
  (1) Subject to subsection (3), at least annually, in conjunction with a renewal notice, a bill, or other notice of payment due issued to...
• Section 500.2113 Private Informal Managerial-level Conference With Insurer; Internal Procedures; Review And Determination By Commissioner; Procedure For Determination; Hearing Matter As Contested Case.
  (1) A person who has reason to believe that an insurer has improperly denied him or her automobile insurance or home insurance or has...
• Section 500.2114 Person Or Organization Aggrieved By Filing; Application For Hearing; Specification Of Grounds; Notice Of Hearing; Order Of Commissioner.
  (1) A person or organization aggrieved with respect to any filing which is in effect and which affects the person or organization may make...
• Section 500.2115 Finding By Commissioner That Reasonable Degree Of Competition Does Not Exist On Statewide Basis; Order Requiring Compliance With Chapter 24 Or 26; Hearing; Notice; New Order.
  (1) If as part of a decision in a proceeding under section 2114, or in a separate proceeding on the commissioner's own motion, held...
• Section 500.2116 Condition Of Licensure As Insurance Agent; Penalizing Insurance Agent.
  (1) A duly licensed insurance agent licensed to represent 1 or more insurers shall, as a condition of licensure, do all of the following:...
• Section 500.2116a Automobile Insurance; Person On Active Duty In United States Armed Forces; Lapse In Coverage; Prohibited Conduct By Insurer; Conditions.
  An automobile insurer shall not refuse to insure, refuse to continue to insure, limit coverage available to, charge a reinstatement fee for, or increase...
• Section 500.2117 Home Insurance; Condition Of Maintaining Insurer's Certificate Of Authority; Basis Of Underwriting Rules; Provisions Applicable To Repair Cost Policy; Rates; Aggregation Of Claims; Adjustment Of Minimum Dollar Amounts.
  (1) As a condition of maintaining its certificate of authority, an insurer shall not refuse to insure, refuse to continue to insure, or limit...
• Section 500.2118 Automobile Insurance; Condition Of Maintaining Insurer's Certificate Of Authority; Basis Of Underwriting Rules.
  (1) As a condition of maintaining its certificate of authority, an insurer shall not refuse to insure, refuse to continue to insure, or limit...
• Section 500.2119 Underwriting Rules To Be In Writing; Inconsistent Transactions Prohibited; Uniform Application Of Underwriting Rules Required; Adoption Of Underwriting Rules By Insurer With More Than 1 Rating Plan; Underwriting Rules For New Applicants And For Renewals; Filing And Public Inspection Of Underwriting Rules; Order Prohibiting Use Of Inconsistent Underwriting Rule.
  (1) Each insurer subject to this chapter shall put in writing all underwriting rules used by the insurer. An insurer shall not transact automobile...
• Section 500.2119a Automobile Insurance; Calculating Insurance Eligibility Points.
  In calculating insurance eligibility points for purposes of determining eligibility for automobile insurance and for purposes of applying underwriting rules, only the highest applicable...
• Section 500.2120 Automobile Insurance; Establishment Of Underwriting Rules By Affiliated Insurers; Applicability Of Subsection (1); Compliance; Separate Rating Plans; Applicability Of Subsection (2); Underwriting Rules Defining Applicable Rating Plan; Basis Of Underwriting Rules.
  (1) Affiliated insurers may establish underwriting rules so that each affiliate will provide automobile insurance only to certain eligible persons. This subsection shall apply...
• Section 500.2121 Home Insurance; Criteria For Selecting Dwellings For Inspection; Inspection Program; Filing Inspection Criteria; Disapproval Of Inspection Criteria; Liability.
  (1) If an insurer uses an inspection of a dwelling to determine whether the insured or applicant is an eligible person for home insurance,...
• Section 500.2122 Declination Of Insurance; Explanation Of Reasons; Refusal Of Application Form As Declination.
  (1) An insurer or agent, upon making a declination of insurance, shall inform the applicant of each specific reason for the declination. If the...
• Section 500.2123 Termination Of Insurance; Delivery Or Mailing Of Notice; Contents Of Notice; Effective Date Of Termination; Conformity With Underwriting Rules; Violation Of Chapter 32 Not Authorized.
  (1) Except as provided in subsection (2) or (3), a termination of insurance shall not be effective unless the insurer, at least 30 days...
• Section 500.2124 Liability For Information Or Statement.
  (1) There shall be no civil liability on the part of, and a cause of action of any nature shall not arise against, the...
• Section 500.2125 Suspension Of Insurer's Obligation Under Mcl 500.2117 Or 500.2118; Hearing; Duration Of Suspension.
  (1) After providing an opportunity for a hearing under Act No. 306 of the Public Acts of 1969, as amended, the commissioner shall suspend...
• Section 500.2126 Suspension Of Acceptance Of Applications; Filing And Contents Of Notice; Disapproval.
  An insurer may at any time suspend its acceptance of all applications from new automobile or home insurance risks by filing a notice with...
• Section 500.2127 Collecting And Reporting Data; Rule; Use Of Sampling Techniques.
  The commissioner may by rule prospectively require insurers, rating organizations, and advisory organizations to collect and report data only to the extent necessary to...
• Section 500.2128 Repealed. 1986, Act 10, Imd. Eff. Feb. 28, 1986.
  Compiler's Notes: The repealed section pertained to development of sales offices to assure access to competitive insurance markets.Popular Name: Act 218Popular Name: Essential InsurancePopular Name:...
• Section 500.2129 Exemption From Chapter; Request; Form; Continuation Of Exemption; Filing Annual Reporting Form; Order Discontinuing Exemption; Requalification For Exemption Prohibited; Ineligible Insurers.
  (1) Each insurer whose surplus as concerns policyholders as of December 31, 1979 as shown on the annual financial statement filed with the commissioner...
• Section 500.2130 Rules Requiring Exchange Of Insurance Claim Information; Liability.
  (1) The commissioner shall promulgate rules requiring insurers to exchange automobile and home insurance claim information necessary to effectuate compliance with this chapter. (2)...
• Section 500.2131 Effective Date Of Mcl 500.2101 To 500.2105, 500.2107, And 500.2131; Effective Date Of Chapter Generally.
  Sections 2101 to 2105, 2107, and this section shall take effect January 1, 1980. The balance of this chapter shall take effect January 1,...
• Section 500.2134-500.2138 Repealed. 1991, Act 191, Eff. Apr. 1, 1992.
  Compiler's Notes: The repealed sections pertained to requirements for an insurer transacting automobile insurance in state, verification of existence of automobile, and filing report of...

Last modified: October 10, 2016