Michigan Statutes

Act 218 of 1956 - THE INSURANCE CODE OF 1956 (500.100 - 500.8302)

218-1956-1 - CHAPTER 1 SCOPE OF CODE (500.100...500.150)
- Section 500.100 - Insurance code of 1956; short title.
- Section 500.102 - “Commissioner” and “department” defined.
- Section 500.103 - “Revenue commissioner” defined.
- Section 500.106 - Insurer; definition.
- Section 500.108 - Authorized, unauthorized insurer; definitions.
- Section 500.110 - Domestic, foreign, alien; definitions.
- Section 500.114 - Person; definition.
- Section 500.115 - Definitions.
- Section 500.116 - Additional definitions.
- Section 500.118 - Treatment of alien insurer as foreign insurer.
- Section 500.120 - Insurance and surety transactions; compliance with code.
- Section 500.121 - Surety; rights; remedies; relief.
- Section 500.122 - Applicability of Michigan antitrust reform act.
- Section 500.124 - Exceptions.
- Section 500.126 - Waiver of customer liability agreement; definitions.
- Section 500.127 - Guaranteed asset protection waiver; certificate of authority or license not required; issuance not construed as insurance; definitions.
- Section 500.128 - Additional exceptions.
- Section 500.132 - Saving clause; incumbent officers.
- Section 500.134 - Validity of certificate of authority or license in force prior to January 1, 1957; validity of plan of operation and premium or assessment; association or facility not state agency a
- Section 500.140 - Saving clause; existence of domestic insurer continued.
- Section 500.142 - Repealed. 1992, Act 182, Imd. Eff. Oct. 1, 1992
- Section 500.150 - Violation of act; hearing; order of commissioner; penalties; court order.
218-1956-10 - CHAPTER 10 ANNUAL AUDITED FINANCIAL REPORTS (500.1001...500.1033)
- Section 500.1001 - Definitions.
- Section 500.1003 - Nonapplicability of chapter.
- Section 500.1005 - Insurer; annual audit; filing date; extensions; designation of audit committee.
- Section 500.1007 - Annual audited financial report; contents; form; conduct of examination by independent public accountant.
- Section 500.1009 - Insurer required to file annual audited report; registration of insurer's independent public accountant; letter required; dismissal or resignation of independent public accounta
- Section 500.1010 - Recognition of person or firm as independent public accountant; mediation or arbitration of disputes; limitation on period of service; relief from rotation requirement; restriction
- Section 500.1011 - Audited consolidated or combined financial statements; application for filing; work sheet.
- Section 500.1015 - Independent public accountant; reporting determination that insurer materially misstated financial condition or does not meet requirements of MCL 500.408 or MCL 500.410; liability;
- Section 500.1017 - Independent public accountant; communicating unremediated material weaknesses; description.
- Section 500.1019 - Independent public accountant; filing letter with annual audited financial report; contents.
- Section 500.1021 - Work papers; availability; retention; review as investigation; use.
- Section 500.1023 - Compliance with chapter; exemption; filing reports on other than calendar year basis; compliance by domestic insurers; schedule; compliance by foreign insurers.
- Section 500.1025 - Canadian and British insurers; annual audited financial report; contents of independent public accountant's letter.
- Section 500.1027 - Applicability of section to domestic insurer not SOX compliant entity; duties of audit committee; member of audit committee as independent; election of controlling person; report by
- Section 500.1029 - Director or officer of insurer; prohibited conduct.
- Section 500.1031 - Report of insurer's or group of insurers' internal control over financial reporting; requirements.
- Section 500.1033 - Exemption from any or all provisions of chapter.
218-1956-11 - CHAPTER 11 REINSURANCE (500.1101...500.1127)
- Section 500.1101 - “Qualified United States financial institution” defined.
- Section 500.1103 - Credit for reinsurance as asset or reduction from liability; accredited reinsurer; trust fund; report to commissioner; assuming insurer not meeting requirements of section or author
- Section 500.1105 - Reduction from liability by ceding insurer to assuming insurer not meeting requirements of MCL 500.1103; security.
- Section 500.1106-500.1120 - Repealed. 1972, Act 360, Imd. Eff. Jan. 9, 1973.
- Section 500.1121 - Applicability of MCL 500.1123 to 500.1127 to certain insurers.
- Section 500.1123 - Reinsurance agreement; conditions prohibiting reduction in liability or establishment of asset; approval of commissioner; filing agreements.
- Section 500.1124 - Repealed. 1972, Act 360, Imd. Eff. Jan. 9, 1973.
- Section 500.1125 - Reinsurance agreement; use; execution; “reasonable period of time” defined; provisions; assumption of obligations by life and health insurance guaranty association.
- Section 500.1127 - Reinsurance agreements; reduction to zero of certain reserve credits or assets.
218-1956-11A - CHAPTER 11A REINSURANCE INTERMEDIARIES (500.1151...500.1171)
- Section 500.1151 - Definitions.
- Section 500.1153 - Person acting as reinsurance intermediary-broker; bond; license; nonresident; service of process; refusal to issue license.
- Section 500.1155 - Transactions between reinsurance intermediary-broker and insurer; authorization.
- Section 500.1157 - Record of transaction.
- Section 500.1159 - Person acting as reinsurance-broker; license required; employment of individual employed by reinsurance intermediary-broker; annual copy of statements of financial condition.
- Section 500.1161 - Transactions between reinsurance intermediary-manager and reinsurer; contract.
- Section 500.1163 - Reinsurance intermediary-manager; prohibited conduct.
- Section 500.1165 - Reinsurance intermediary-manager; license required; obtaining annual copy of statement of financial condition and opinion of actuary; authority for retrocessional contracts or parti
- Section 500.1167 - Reinsurance intermediary and reinsurance intermediary-manager; examination of books, bank accounts, and records.
- Section 500.1169 - Violation; penalties.
- Section 500.1171 - Reinsurance intermediary; use of services.
218-1956-12 - CHAPTER 12 AGENTS, SOLICITORS, ADJUSTERS, AND COUNSELORS (500.1200...500.1247)
- Section 500.1200 - “Good moral character” defined.
- Section 500.1201 - Definitions.
- Section 500.1201a - Sale, solicitation, or negotiation of insurance; license required; applicability to excess and surplus lines agents and brokers.
- Section 500.1202 - Insurance producer license.
- Section 500.1203 - Authority of insurance producer for fraternal benefit society; authority of attorney-in-fact of reciprocal or inter-insurance exchange.
- Section 500.1204 - Applicant for insurance producer license; examination; registered program of study; waiver of examination or program of study requirements; administration of examinations; fee; reap
- Section 500.1204a - Qualification as registered insurance agent program of study; criteria; conducting portion of minimum number of classroom hours of instruction; rules; recommendations for improveme
- Section 500.1204b - Insurance agent education advisory council; creation; appointment, qualifications, and terms of members; meetings; reimbursement of expenses; duties of council; access to classroom
- Section 500.1204c - Definitions; insurance producer's hours of study; review; continuing education requirements; program of study; approval; hearing; revocation; filing certificate of attendance o
- Section 500.1204d - Continuing education fund; creation; administration; disposition and reversion of funds; funding of shortfall.
- Section 500.1204e - Nonresident license applicant; requirements.
- Section 500.1204f - Sale, solicitation, or negotiation of long-term care insurance; program of instruction required.
- Section 500.1205 - Resident insurance producer license; filing; application; statement; requirements; business entity; verification of information; limited line credit insurance.
- Section 500.1206 - Insurance producer license; issuance; qualification in line of insurance; duration; reinstatement; contents of license; change of name or address; ministerial functions.
- Section 500.1206a - Nonresident insurance producer license; requirements; verification of status; change of address; nonresident surplus lines insurance producer license; nonresident limited lines ins
- Section 500.1206b - Nonresident insurance producer license; prelicensing education or examination; exemption; application as resident licensee.
- Section 500.1206c - Life and health insurance producer examinations; summary of statistical information; report.
- Section 500.1207 - Agent as fiduciary; accounting methods; examination of records; remuneration of person acting as agent; placing refused coverage; use of intimidation, threats, or unlawful inducemen
- Section 500.1208 - Insurance effected by agent on certain risks; limitation.
- Section 500.1208a - Appointment of producer as agent; notice of appointment; filing; verification of eligibility; fee.
- Section 500.1208b - Termination of business relationship with insurance producer; notice to commissioner; format; liability for disclosure of information or statement.
- Section 500.1209 - Termination of insurance producer's authority to represent insurer; responsibility and authority of insurance producer following notice of termination; exceptions; condition of
- Section 500.1210 - Accident and health insurance agent as health benefit agent.
- Section 500.1211 - Solicitation and collection on behalf of licensed insurance producer; authorization; contract.
- Section 500.1211a - Assumed name; use.
- Section 500.1211b - Temporary license.
- Section 500.1212 - Persons acting as solicitors; contract with agent; license; notice of appointment.
- Section 500.1214 - Solicitor; application for license and notice of appointment; forms; examination required; program of study as condition to examination; waiver of examination or program of study; i
- Section 500.1216 - Solicitor as fiduciary; accounting methods; examination of records; remuneration of person acting as agent or solicitor.
- Section 500.1218 - Termination of solicitor's authority to represent agent; notice; disclosure; liability of agent.
- Section 500.1222 - Adjuster's license required; exceptions.
- Section 500.1224 - Adjuster; application for license; forms; examination; investigations and interrogatories; waiver; decision; issuance of license; qualifications; additional restrictions; licenses t
- Section 500.1226 - Persons aiding adjuster; representation by adjuster; procedure for soliciting loss; schedule of rates; limitation on charges; contract.
- Section 500.1227 - Conduct of adjuster; prohibitions.
- Section 500.1228 - Records of adjuster.
- Section 500.1232 - Insurance counselor; license required; use of designation “certified insurance counselor” or “fraternal insurance counselor”; exceptions.
- Section 500.1234 - Insurance counselor; application for license; forms; examination; investigations and interrogatories; decision; issuance of license; qualifications.
- Section 500.1236 - Written agreement between insurance counselor and client.
- Section 500.1238 - Reporting mailing address of agent, solicitor, counselor, or adjuster; notice of change in mailing address; fee; maintaining mailing address on file; mailing of notice of hearing or
- Section 500.1239 - Probation, suspension, or revocation of insurance producer's license; refusal to reissue; causes; civil fine; notice of license denial; hearing; license of business entity; pena
- Section 500.1240 - Payment or acceptance of commission, service fee, or valuable consideration.
- Section 500.1242 - Refusal, suspension, or revocation of license; notice; hearings; summary suspension; subpoenas.
- Section 500.1243 - Definitions; sale of insurance by lender.
- Section 500.1244 - Violation of chapter; hearing; serving copy of findings and cease and desist order; additional orders; reopening, altering, modifying, or setting aside order; violation of cease and
- Section 500.1246 - Confidentiality; use of documents, materials, or other information.
- Section 500.1247 - Report of administrative action.
218-1956-13 - CHAPTER 13 HOLDING COMPANIES (500.1301...500.1379)
- Section 500.1301 - Insurance holding companies; definitions.
- Section 500.1305 - Domestic insurers; organization or acquisition of subsidiaries; book of business; value; admitted asset; limitation; amortization; annual test; definition; authority of commissioner
- Section 500.1311 - Merging with or acquiring control of domestic insurer; statement; domestic property and casualty insurer with 200 employees or fewer; filing notification; “domestic insurer” explain
- Section 500.1312 - Statement filed with commissioner; contents.
- Section 500.1313 - Partnership, syndicate or other group; statement filed with commissioner, amendment.
- Section 500.1314 - Alternative filing materials.
- Section 500.1315 - Merger or acquisition of control; approval of commissioner; hearing.
- Section 500.1316 - Information to shareholders; expense; bond; examination or investigation.
- Section 500.1317 - Exemptions.
- Section 500.1318 - Violations.
- Section 500.1319 - Jurisdiction of actions arising out of violations; consent to process.
- Section 500.1324 - Insurers subject to registration; time.
- Section 500.1325 - Registration statement; form; contents; other reports or information required.
- Section 500.1326 - Registration statement; nonmaterial information not disclosed.
- Section 500.1327 - Registration statement; reporting material changes or additions and distributions to shareholders.
- Section 500.1328 - Registration; termination.
- Section 500.1329 - Consolidated registration statements.
- Section 500.1330 - Registration on behalf of affiliated insurer.
- Section 500.1331 - Exemptions.
- Section 500.1332 - Petition for disclaimer of affiliation; filing; contents; effect; disallowance.
- Section 500.1333 - Registration; failure to file.
- Section 500.1334 - Person subject to registration; providing information to insurer.
- Section 500.1341 - Transactions within holding company system; certain insurers as party; standards; prior approval; transactions entered into by domestic insurers; notification; separate transactions
- Section 500.1342 - Application of MCL 500.436a.
- Section 500.1343 - Review by commissioner of ordinary shareholder dividends paid by domestic insurers; determination of reasonableness; factors; limiting or disallowing payment of shareholder dividend
- Section 500.1344 - Officers and directors; obligation or liability; common management or cooperative or joint use of personnel, property, or services.
- Section 500.1351 - Examination of insurer or affiliates; experts; expenses.
- Section 500.1355 - Examination of insurer or affiliates; confidentiality of information, written consent; notice, publication in interest of public.
- Section 500.1361 - Issuance of rules and orders.
- Section 500.1365 - Injunctions; violation of chapter, rule or order.
- Section 500.1367 - Voting certain securities prohibited; injunction.
- Section 500.1368 - Voting securities in violation of chapter; sequestration of securities.
- Section 500.1371 - Violation of chapter; action by commissioner; criminal proceeding; penalty.
- Section 500.1375 - Violation of chapter; receivership.
- Section 500.1377 - Liquidation or rehabilitation; recovery of certain distributions or payments.
- Section 500.1378 - Failure by commissioner to act or make determination; petition for writ of superintending control.
- Section 500.1379 - Violation of chapter; suspension, revocation or refusal to renew license.
218-1956-14 - CHAPTER 14 MANAGING GENERAL AGENTS (500.1400...500.1450)
- Section 500.1400 - Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
- Section 500.1401 - Definitions.
- Section 500.1402 - Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
- Section 500.1403 - Persons not considered managing general agents.
- Section 500.1404 - Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
- Section 500.1405 - Licensing.
- Section 500.1407 - Bond; errors and omissions policy.
- Section 500.1408 - Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
- Section 500.1409 - Contract between managing general agent and insurer; required provisions.
- Section 500.1411 - Insurer; duties.
- Section 500.1412 - Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
- Section 500.1413 - Acts of managing general agent deemed acts of insurer; examination.
- Section 500.1414 - Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
- Section 500.1415 - Violation; penalties; judicial review; rights of policyholders, claimants, and auditors.
- Section 500.1416 - Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
- Section 500.1417 - Rules and regulations.
- Section 500.1419 - Effective date of chapter.
- Section 500.1420-500.1450 - Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
218-1956-14A - CHAPTER 14a PRODUCER CONTROLLED INSURERS (500.1451...500.1474)
- Section 500.1451 - “Producer” defined.
- Section 500.1452 - Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
- Section 500.1453 - Exceptions to provisions of chapter.
- Section 500.1454 - Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
- Section 500.1455 - Applicability of section; contract between controlling producer and insurer required for doing business; minimum provisions; audit committee; reports; applicability of section 60 da
- Section 500.1456 - Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
- Section 500.1457 - Notice of relationship between producer and controlled insurer; exception; applicability of section to policies written or renewed 60 days after effective date of chapter.
- Section 500.1458 - Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
- Section 500.1459 - Noncompliance with chapter, regulation, or order; authority of commissioner; civil action for recovery of damages for benefit of insurer; other penalties; rights of third parties no
- Section 500.1460-500.1474 - Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
218-1956-15 - CHAPTER 15 INSURANCE PREMIUM FINANCE COMPANIES (500.1501...500.1514)
- Section 500.1501 - Inapplicability of chapter.
- Section 500.1501a - Financial institutions; application of chapter.
- Section 500.1502 - Insurance premium finance companies; definitions.
- Section 500.1503 - License requirements; violation, penalty; fees, renewal, application.
- Section 500.1504 - License investigation of applicant; issuance, grounds, hearing, bond.
- Section 500.1505 - Premium finance company; license; revocation or suspension; grounds; hearing; penalty; appeal.
- Section 500.1506 - Premium finance transaction records; examination; preservation.
- Section 500.1507 - Insurance commissioner; regulatory powers.
- Section 500.1508 - Premium finance agreement; requirements; specifications; items; subsidiary companies.
- Section 500.1509 - Premium finance company; authorized charges; service charge; amending original contract where balance of premium due changed.
- Section 500.1510 - Insurance premium finance agreement; delinquency charge; cancellation charge.
- Section 500.1511 - Premium finance agreement; cancellation of insurance, procedure, notice, refund.
- Section 500.1512 - Premium finance agreement; filing not required.
- Section 500.1513 - Existing companies; license, fee.
- Section 500.1514 - Insurance commissioner and employees; statement of expenses and charges, payment; employment of expert personnel.
218-1956-16. - CHAPTER 16. Creditor-Placed Insurance (500.1601...500.1631)
- Section 500.1601 - Insurer or producer transacting creditor-placed insurance; scope.
- Section 500.1603 - Private cause of action not created.
- Section 500.1605 - Definitions.
- Section 500.1607 - Dates on which insurance effective or terminated.
- Section 500.1609 - Premiums; calculation; limitation; charges creating balloon payment prohibited.
- Section 500.1611 - Exclusions.
- Section 500.1613 - Evidence of insurance coverage.
- Section 500.1615 - Policy forms and certificates of insurance; filing; schedule of premium rates; withdrawal of approval.
- Section 500.1617 - Refund of unearned premium or other charges; statement of refund; amount.
- Section 500.1619 - Loss incurred; payment; reduced net debt or actual cash value amounts; subrogation; written statement; towing and storage charges.
- Section 500.1621 - Insurance on collateral; conditions.
- Section 500.1623 - Rebates or inducements; prohibitions.
- Section 500.1625 - Adequate disclosure of requirement to maintain insurance; notice; final notice; noncompliance.
- Section 500.1627 - Investigations or examinations; enforcement; hearing; consent agreement; injunctive relief.
- Section 500.1629 - Judicial review; court order.
- Section 500.1631 - Violation of order of commission; penalty.
218-1956-18 - CHAPTER 18 (500.1801...500.1864)
- Section 500.1801 - Definitions.
- Section 500.1803 - Risk retention group chartered in state; certificate of authority; license; compliance.
- Section 500.1804 - Repealed. 1980, Act 341, Eff. June 23, 1981.
- Section 500.1805 - Risk retention group chartered in state; summary form of required information.
- Section 500.1806 - Repealed. 1980, Act 341, Eff. June 23, 1981.
- Section 500.1807 - Risk retention group chartered in state; plan of operation or feasibility study.
- Section 500.1809 - Risk retention group chartered in state; name.
- Section 500.1810 - Repealed. 1980, Act 341, Eff. June 23, 1981.
- Section 500.1811 - Risk retention group not chartered in state; submission of information to commissioner.
- Section 500.1812 - Repealed. 1980, Act 341, Eff. June 23, 1981.
- Section 500.1813 - Risk retention group without certificate of authority issued by commissioner; tax; regulatory fee; report.
- Section 500.1815 - Risk retention group not chartered in state and doing business in state; compliance required; examination of financial condition.
- Section 500.1817 - Risk retention group not chartered in state and doing business in state; voluntary dissolution or delinquency proceeding.
- Section 500.1819 - Notice required on application form and front and declaration pages of policy.
- Section 500.1820 - Repealed. 1980, Act 341, Eff. June 23, 1981.
- Section 500.1821 - Risk retention group chartered or doing business in state; prohibited conduct.
- Section 500.1822 - Repealed. 1980, Act 341, Eff. June 23, 1981.
- Section 500.1823 - Violation; fines and penalties; compliance.
- Section 500.1825 - Purchasing group; information required before doing business in state.
- Section 500.1827 - Purchasing group and insurer thereof; registration fee; statement of registration; applicability of subsection (1); information to be furnished.
- Section 500.1828 - Repealed. 1980, Act 341, Eff. June 23, 1981.
- Section 500.1829 - Purchase of insurance by purchasing group; written information to members; deductible or self-insured retention.
- Section 500.1830 - Repealed. 1980, Act 341, Eff. June 23, 1981.
- Section 500.1831 - Premium taxes and other taxes.
- Section 500.1832 - Repealed. 1980, Act 341, Eff. June 23, 1981.
- Section 500.1833 - Prohibitions regarding property and casualty guaranty association or similar association; risks covered by property and casualty guaranty association; participating member in Michig
- Section 500.1835 - Licensing as condition to soliciting, negotiating, or procuring liability insurance; residency requirement for agent or broker; licensure of nonresident.
- Section 500.1837 - Enforcement.
- Section 500.1839 - Financial responsibility.
- Section 500.1840 - Repealed. 1980, Act 341, Eff. June 23, 1981.
- Section 500.1841 - Repealed. 2000, Act 486, Imd. Eff. Jan. 11, 2001.
- Section 500.1843-500.1864 - Repealed. 1980, Act 341, Eff. June 23, 1981.
218-1956-19 - CHAPTER 19 (500.1901...500.1955)
- Section 500.1901 - Short title.
- Section 500.1902 - Liberal construction and application.
- Section 500.1903 - Definitions; conflicting provisions.
- Section 500.1903a - Contract of insurance.
- Section 500.1904 - Rates and forms used by unauthorized insurers.
- Section 500.1905 - License required to act as agent or broker in transaction of surplus lines insurance; compliance; requirements for obtaining surplus lines license; permissible acts of surplus lines
- Section 500.1906 - Books and records of surplus lines licensee; examination; access.
- Section 500.1910 - Prohibited placement of insurance with unauthorized insurer; rebuttable presumption as to availability of coverages; list of unavailable lines of insurance; additions to or deletion
- Section 500.1911 - Issuing evidence of placement of insurance with eligible unauthorized insurer; conditions; identification of entities directly assuming risk of loss; specifying obligation as joint
- Section 500.1912 - Delivery of written evidence of insurance to insured or insured's representative; time; conditions.
- Section 500.1913 - Separate account of each transaction; filing certified evidence of transactions.
- Section 500.1915 - Charging fee in excess of $50.00; conditions; excessive or discriminatory fee prohibited; documentation of fees; exclusion of fees in computation of premium taxes; adjustment; "
- Section 500.1916 - Compensation of licensee and licensed resident agent; collection of premiums; effect of premium payment made to agent.
- Section 500.1917 - Liability if risk assumed and premium received by licensee.
- Section 500.1920 - Recognition as eligible surplus lines insurer; application; recommendations; conditions; information; examination; removal of insurer from list.
- Section 500.1921 - Recognition as eligible unauthorized insurer; deposit; trust fund, marketable securities, or equivalent instruments; provisions inapplicable to certain unincorporated, alien insurer
- Section 500.1922 - Notice on face of instrument evidencing surplus lines insurance.
- Section 500.1930 - Association of licensees; registration; purposes; required filings by association; reasons for refusal to register association; reasons for suspension or revocation of registration;
- Section 500.1932 - Servicing facility; establishment; reimbursement for expenses and payments; functions; approval; member licensee as servicing facility.
- Section 500.1933 - Suits by or against association; assertion or defense of rights.
- Section 500.1934 - Filing certified audit of books, records, and trust funds.
- Section 500.1940 - Reports and recommendations regarding financial condition of eligible unauthorized insurer; reports and recommendations not considered public documents; liability for statements.
- Section 500.1946 - Repealed. 2000, Act 486, Imd. Eff. Jan. 11, 2001.
- Section 500.1950 - Placement of insurance with insurer which is neither an authorized insurer nor an eligible unauthorized insurer; duties of licensee.
- Section 500.1951 - Procuring, continuing, or renewing insurance with unauthorized insurer; report; tax on premiums; regulatory fee.
- Section 500.1952 - Violation as misdemeanor; penalty.
- Section 500.1955 - Rules implementing chapter; declaratory rulings.
218-1956-2 - CHAPTER 2 THE INSURANCE COMMISSIONER (500.200...500.251)
- Section 500.200 - Insurance department; establishment.
- Section 500.202 - Insurance commissioner; qualifications, office, term, appointment, approval, vacancy.
- Section 500.204 - Insurance commissioner; salary; oath; bond.
- Section 500.205 - Commissioner; powers.
- Section 500.206 - Insurance commissioner; seal, approval, renewal.
- Section 500.208 - Office of financial and insurance services; offices; expense; audit.
- Section 500.210 - Insurance commissioner; regulatory powers.
- Section 500.212 - Deputies, chief clerk and accountant, examiners, clerks, actuaries, and other assistants; oath; powers and duties; hearings; rights of parties; revocation of appointments, designatio
- Section 500.214 - Commissioner; immunity from civil liability; conditions.
- Section 500.216 - Insurance commissioner and employees; traveling and other expenses.
- Section 500.220 - Insurance commissioner and employees; service fees, prohibited gifts.
- Section 500.221 - Insurance compliance self-evaluative audit document; privilege; disclosure; exceptions; definitions.
- Section 500.222 - Examination of insurers; examination report; hearing; public inspection; disclosure of confidential information; effect of current examination; commissioner's authority to termin
- Section 500.223 - Application for certificate of authority; fee; withdrawal of application; reapplication fee; disposition.
- Section 500.224 - Examinations and investigations of insurers; expenses; statement to insurers; employment of expert personnel; regulatory fees; expense of administering delinquency proceeding; defini
- Section 500.224a - Report relating to regulatory fees.
- Section 500.224b - Repealed. 2008, Act 440, Eff. Apr. 1, 2009.
- Section 500.225 - Insurance bureau fund; creation; deposit of fees; reversion to general fund; use of fund.
- Section 500.225a - Contract for services, supplies, and materials.
- Section 500.226 - Disclosure of confidential information; penalty.
- Section 500.228 - Examinations and investigations of insurers; report of crimes to attorney general.
- Section 500.230 - Recovery of penalty; disposition of funds.
- Section 500.234 - Insurance department; records of office; public inspection, exceptions, destruction, rules and regulations.
- Section 500.236 - Repealed. 1992, Act 182, Imd. Eff. Oct. 1, 1992.
- Section 500.238 - Insurance commissioner; annual report to governor, contents, publication.
- Section 500.240 - Fees and charges; collection, payment, and disposition.
- Section 500.244 - Judicial review.
- Section 500.246 - Repealed. 1992, Act 182, Imd. Eff. Oct. 1, 1992.
- Section 500.248 - Violations of act; actions; perjury.
- Section 500.249 - Insurance commissioner; investigations of agents, adjusters, counselors, managers, promoters, officers and directors.
- Section 500.249a - Fingerprints required; costs; providing criminal history records.
- Section 500.250 - Insurers; stock transfer; officers or directors; appointment; notice to commissioner; removal; hearings; civil immunity; review.
- Section 500.251 - Cease and desist order.
218-1956-20 - CHAPTER 20 UNFAIR AND PROHIBITED TRADE PRACTICES AND FRAUDS (500.2001...500.2093)
- Section 500.2001 - Short title.
- Section 500.2002 - Purpose of act.
- Section 500.2003 - Prohibited trade practices; “person” and “insurance policy” defined.
- Section 500.2005 - Misrepresentations.
- Section 500.2005a - Unfair method of competition; unfair or deceptive act or practice.
- Section 500.2006 - Payment of benefits on timely basis; payment of interest in alternative; failure to pay claims or interest as unfair trade practice; liability for claim pursuant to judgment; proof
- Section 500.2007 - Unfair methods of competition or deception; false, deceptive or misleading advertising.
- Section 500.2008 - Audit of insured's payroll expenditures; purpose; request; failure to complete payroll audit or final audit as unfair or deceptive act or practice; failure to pay premium adjust
- Section 500.2009 - False, maliciously critical, or derogatory statement as to financial condition.
- Section 500.2010 - Unfair method of competition; unfair or deceptive act or practice.
- Section 500.2011 - Unfair methods of competition; unfair or deceptive acts or practices.
- Section 500.2012 - Unfair methods of competition or deception; combinations in restraint of trade.
- Section 500.2013 - Violation of chapter or rule; effect.
- Section 500.2014 - False material statement of financial condition; false entry or omission of true entry in book, report, or statement.
- Section 500.2015 - Repealed. 1976, Act 273, Eff. Apr. 1, 1977.
- Section 500.2016 - Unfair methods of competition and unfair and deceptive acts or practices in business of insurance; applicability of section.
- Section 500.2017 - Unfair methods of competition or deception; illegal inducements.
- Section 500.2018 - False or fraudulent statements or representations as to application for insurance policy.
- Section 500.2019 - Unfair methods of competition or deception; unfair discrimination in life insurance.
- Section 500.2020 - Unfair methods of competition or deception; unfair discrimination in accident or health insurance.
- Section 500.2021 - Failure to furnish insured rate information upon request; unfair method of competition and unfair or deceptive act or practice in business of insurance.
- Section 500.2022 - Repealed. 1976, Act 273, Eff. Apr. 1, 1977.
- Section 500.2023 - Automatic insurance on debtor contracting credit.
- Section 500.2024 - Unfair methods of competition or deception; rebates and special inducements.
- Section 500.2024a - Giving merchandise to applicants for life insurance.
- Section 500.2024b - Construction of MCL 500.2024, 500.2066, and 500.2070.
- Section 500.2025 - Unfair methods of competition or deception; exclusions from discrimination, rebates.
- Section 500.2026 - Course of conduct indicating persistent tendency to engage in that type of conduct.
- Section 500.2027 - Unfair methods of competition and unfair or deceptive acts or practices; prohibited conduct.
- Section 500.2028 - Examination; investigation.
- Section 500.2029 - Notice of hearing; opportunity to confer; summary disposition.
- Section 500.2030 - Hearing; procedure; intervention; burden of proof; commissioner or designate to preside; independent hearing officer; peremptory dismissal.
- Section 500.2032 - Unfair methods of competition or deception; hearing; oaths; witnesses; evidence; subpoenas; contempt of court; stenographic record; statement of evidence.
- Section 500.2033 - Hearing; directing witness to give testimony or produce evidence; immunity; perjury; waiver of immunity or privilege.
- Section 500.2034 - Unfair methods of competition or deception; service of notices, process and other papers, return.
- Section 500.2038 - Findings and decision to be in writing; cease and desist order; other orders; stay; modification or setting aside of order.
- Section 500.2039 - Finality of order.
- Section 500.2040 - Violation of cease and desist order; penalty; stay; contents of cease and desist order.
- Section 500.2041 - Unfair methods of competition or deception; court review of orders, findings of fact conclusive, modification; additional evidence.
- Section 500.2043 - Unfair methods of competition or deception; procedure to enjoin, jurisdiction of circuit court; filing petition; additional evidence; modification of findings; issuance of injunctio
- Section 500.2045 - Unfair methods of competition or deception; court review on petition of intervenor.
- Section 500.2047 - Trade practice conferences; authorization by insurance commissioner; purpose; notice; scope; recommendation; rules, regulations, or standards; construction of section.
- Section 500.2049 - Unfair methods of competition or deception; liability under other state laws.
- Section 500.2050 - Construction of chapter.
- Section 500.2055 - Misrepresentation of insurer's financial condition as misdemeanor; penalty; civil liability of officers and agents; forfeiture of chartered privileges; publication of true state
- Section 500.2057 - Misrepresentation of insurer's identity prohibited; advertising by fire insurer not limited; violation as misdemeanor; penalty.
- Section 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.
- Section 500.2060 - Repealed. 1986, Act 253, Eff. Dec. 31, 1987.
- Section 500.2062 - False reports; forfeiture of franchise or right to do business; violation by officers or agents as misdemeanor; penalty.
- Section 500.2064 - Misrepresentation of terms of policy; future benefits or dividends prohibited; illegal inducements; violation; revocation of certificate or license; penalties.
- Section 500.2066 - Rebates and illegal inducements prohibited; violation; revocation of license or certificate; penalties.
- Section 500.2068 - Revocation of license or certificate; notice; hearing; order; review by supreme court.
- Section 500.2069 - Violation of MCL 500.2064 and 500.2066 as misdemeanor; penalty.
- Section 500.2070 - Acceptance of rebate or illegal inducement prohibited; reduction of insurance; penalty.
- Section 500.2074 - Repealed. 2000, Act 486, Imd. Eff. Jan. 11, 2001.
- Section 500.2075 - Fire, marine or inland insurer's contract in restraint of competition prohibited; acts by agent prohibited; other prohibitions.
- Section 500.2077 - Creditors; favoritism of insurer prohibited; construction of section, violation, penalty.
- Section 500.2078 - Agreements as to placements of insurance; regulations.
- Section 500.2080 - Life insurance, accident insurance, sick or funeral benefit company; prohibited conduct with regard to mortuary or undertaking establishments; funeral establishment, cemetery, or se
- Section 500.2082 - Racial discrimination by life insurers prohibited; violation; penalty.
- Section 500.2086 - False report by physician as to life or casualty insurance applicant; penalty, civil liability to insurer.
- Section 500.2088 - False report by physician; claim for death, sickness or disability benefits, penalty.
- Section 500.2091 - Unlawful advertising; notice to supervisory official.
- Section 500.2092 - Unlawful advertising; failure to cease and desist, procedure.
- Section 500.2093 - Enforcement of act against foreign or alien insurer; procedure.
218-1956-21 - CHAPTER 21 (500.2101...500.2138)
- Section 500.2101 - Meanings of words and phrases.
- Section 500.2102 - Definitions; A to D.
- Section 500.2103 - Definitions; E to I.
- Section 500.2104 - Definitions; P to U.
- Section 500.2105 - Automobile insurance or home insurance to conform with chapter; exceptions.
- Section 500.2106 - Applicability of chapters 24 and 26; use of rates; inconsistent provisions.
- Section 500.2107 - Filings; review; disputes; approval; order of disapproval; revised filing.
- Section 500.2108 - Filing of manuals and plans; statement of character and extent of coverage; maintaining rates in effect for eligible persons; insurer as member of or subscriber to rating organizati
- Section 500.2109 - Rates for automobile insurance and home insurance; requirements; determining existence of reasonable degree of competition.
- Section 500.2110 - Development and evaluation of rates; considerations; systems of expense provisions; grouping risks by classifications.
- Section 500.2110a - Premium discount plan.
- Section 500.2110b - Use of automobile repair or automobile glass repair or replacement service; unreasonable restriction prohibited; disclosure; notice to consumers; development of plan.
- Section 500.2111 - Classifications and territorial base rates for automobile insurance or home insurance; conformity with applicable requirements.
- Section 500.2111a - Completion of traffic accident prevention course; premium discount to insureds 50 years of age and older; provisions.
- Section 500.2111b, 500.2111c - Repealed. 1991, Act 191, Eff. Apr. 1, 1992.
- Section 500.2111d - Home insurance; premium discount plan for senior citizens.
- Section 500.2111e - Rates increase prohibited; applicability of section.
- Section 500.2112 - Written notice to policyholder; time; contents.
- Section 500.2113 - Private informal managerial-level conference with insurer; internal procedures; review and determination by commissioner; procedure for determination; hearing matter as contested ca
- Section 500.2114 - Person or organization aggrieved by filing; application for hearing; specification of grounds; notice of hearing; order of commissioner.
- 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.
- Section 500.2116 - Condition of licensure as insurance agent; penalizing insurance agent.
- Section 500.2116a - Automobile insurance; person on active duty in United States armed forces; lapse in coverage; prohibited conduct by insurer; conditions.
- 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 clai
- Section 500.2118 - Automobile insurance; condition of maintaining insurer's certificate of authority; basis of underwriting rules.
- Section 500.2119 - Underwriting rules to be in writing; inconsistent transactions prohibited; uniform application of underwriting rules required; adoption of underwriting rules by affiliated insurer o
- Section 500.2119a - Automobile insurance; calculating insurance eligibility points.
- Section 500.2120 - Automobile insurance; establishment of underwriting rules by affiliated insurers; applicability of subsection (1); compliance; separate rating plans; applicability of subsection (2)
- Section 500.2121 - Home insurance; criteria for selecting dwellings for inspection; inspection program; filing inspection criteria; disapproval of inspection criteria; liability.
- Section 500.2122 - Declination of insurance; explanation of reasons; refusal of application form as declination.
- 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 authorize
- Section 500.2124 - Liability for information or statement.
- Section 500.2125 - Suspension of insurer's obligation under MCL 500.2117 or 500.2118; hearing; duration of suspension.
- Section 500.2126 - Suspension of acceptance of applications; filing and contents of notice; disapproval.
- Section 500.2127 - Collecting and reporting data; rule; use of sampling techniques.
- Section 500.2128 - Repealed. 1986, Act 10, Imd. Eff. Feb. 28, 1986.
- Section 500.2129 - Exemption from chapter; request; form; continuation of exemption; filing annual reporting form; order discontinuing exemption; requalification for exemption prohibited; ineligible i
- Section 500.2130 - Rules requiring exchange of insurance claim information; liability.
- Section 500.2131 - Effective date of MCL 500.2101 to 500.2105, 500.2107, and 500.2131; effective date of chapter generally.
- Section 500.2134-500.2138 - Repealed. 1991, Act 191, Eff. Apr. 1, 1992.
218-1956-22 - CHAPTER 22 THE INSURANCE CONTRACT (500.2204...500.2290)
- Section 500.2204 - Settlement of action brought by third party against person insured under commercial liability insurance policy; notice to insured required.
- Section 500.2205 - Minor's contracts for insurance.
- Section 500.2206 - Minor's capacity to receive insurance benefits; limitations.
- Section 500.2207 - Insurable interest; personal insurance; rights of beneficiaries, creditors.
- Section 500.2209 - Insurable interest; married woman; right to proceeds, devise.
- Section 500.2210 - Definitions; insurable interest; employer; trust; exemption from claims.
- Section 500.2211 - Consent of insured.
- Section 500.2212 - Insurable interest in life of individual.
- Section 500.2212a - Policy or certificate issued under chapter 34 or 36; description of terms, conditions, and information; written request; “board certified” defined.
- Section 500.2212b - Termination of participation between primary care physician and insurer; notice to insured; effect of termination; definitions.
- Section 500.2213 - Internal formal grievance procedure; approval by commissioner; contents; person authorized to act on behalf of insured or enrollee; section inapplicable to provider complaint and in
- Section 500.2213a - Expenses incurred by commissioner; calculation; assessment.
- Section 500.2213b - Renewal or continuation of individual or group policy; guaranteed renewal; short-term or 1-time limited duration policy or certificate.
- Section 500.2213c - Disability income insurer; internal grievance procedure; establishment; contents; “grievance” defined.
- Section 500.2213d - Uniform prescription drug information card or other technology.
- Section 500.2214 - Disability insurance; application, use as evidence.
- Section 500.2216 - Life or disability insurance; alteration of application.
- Section 500.2218 - Disability insurance; false statement in application; effect.
- Section 500.2220 - Life insurance; solicitor as agent of insurer.
- Section 500.2226 - Life insurance; benefits, manner of payment, period, and premiums to be contained in policy.
- Section 500.2227 - Withholding final settlement amount; notice; escrow procedure to be followed by city, village, or township; disposition of money by local treasurer; commingling funds prohibited; re
- Section 500.2228 - Automobile insurance; contents of policy.
- Section 500.2230 - Mutual insurers other than life; contents of policy.
- Section 500.2232 - Reciprocal insurers; contents of policy.
- Section 500.2235 - Written notice to insured under worker's compensation insurance policy.
- Section 500.2236 - Forms generally; filing; approval; type size; effect of membership in or subscription to rating organization; substitute form; readability score and other requirements; approval of
- Section 500.2236a - Interest indexed universal life insurance; information to be maintained on file.
- Section 500.2237 - Group disability insurance policy; prohibited restriction of liability.
- Section 500.2238 - Repealed. 1970, Act 180, Imd. Eff. Aug. 3, 1970.
- Section 500.2239 - Health care service rendered by dentist; benefits or reimbursement; “dentist” defined; policies to which section applicable.
- Section 500.2242 - Group disability policy; filing and approval of form; grounds for disapproval; notice, hearing, and appeal requirements; withdrawal of approval.
- Section 500.2243 - Group policies; optometric service; coverage.
- Section 500.2246 - Insured or applicant for life insurance policy as victim of domestic violence; refusal to provide coverage prohibited; exceptions; liability; applicability to policies on or after J
- Section 500.2248 - Automobile insurance; delivery of policy to insured.
- Section 500.2250 - Binders or other contracts for temporary insurance; applicability.
- Section 500.2254 - Action against domestic insurer by member or beneficiary; conditions.
- Section 500.2260 - Life or disability insurance; acts not constituting waiver of defenses.
- Section 500.2264 - Termination of dependent coverage at specified age; exception.
- Section 500.2264a - Hospital or medical care coverage or reimbursement for children who are full-time or part-time students and take leave of absence.
- Section 500.2265-500.2290 - Repealed. 1992, Act 84, Imd. Eff. June 2, 1992.
218-1956-23 - CHAPTER 23 WORKER'S COMPENSATION INSURANCE RATES (500.2301...500.2352)
- Section 500.2301 - Participation in facility by insurers required; purposes.
- Section 500.2303 - Definitions.
- Section 500.2310 - Facility; operation; board of governors; appointment, terms, and qualifications of members.
- Section 500.2312 - Facility; plan of operation; preparation, approval, review, and revision; required provisions; application of plans to insureds; retrospective evaluation of premiums and loss and ex
- Section 500.2318 - Facility; classification and rating systems; determination and use.
- Section 500.2320 - Facility; deferred premium payment plans.
- Section 500.2322 - Agent authorized to solicit, negotiate, or effect worker's compensation insurance on behalf of facility or participating member; rights and duties.
- Section 500.2350 - Formal hearing and ruling by facility board of governors; request; appeal; commissioner's order.
- Section 500.2352 - Determinations made by commissioner.
218-1956-24 - CHAPTER 24 CASUALTY INSURANCE RATES (500.2400...500.2484)
- Section 500.2400 - Purposes and interpretation of chapter.
- Section 500.2400a - Repealed. 1993, Act 200, Eff. Dec. 28, 1994.
- Section 500.2401 - Applicability of chapter; insurance or coverage subject to regulation by another rate regulatory chapter; filing designation with commissioner; order for prior approval; absence of
- Section 500.2402 - Definitions; data collection agency; creation; purpose; governing board; appointment, terms, and qualifications of members; conduct of business at public meeting.
- Section 500.2403 - Rate-making provisions; uniformity among insurers.
- Section 500.2404 - Secondary or merit rating plan for commercial liability insurance rates; rating plan for medical malpractice insurance; limitations; “commercial liability insurance” defined.
- Section 500.2405 - Liquor liability insurance policies; server training discount plan; certified server training course.
- Section 500.2406 - Required filings by insurers; exception; supporting information; notice; public inspection; becoming member of or subscriber to licensed rating organization; rates and rating system
- Section 500.2407 - “Pure premium data” defined; worker's compensation insurance; collecting, compiling, or making available to insurers certain information; filing rating system incompatible with
- Section 500.2408 - Review of filings by commissioner; purpose; waiting period; extension; effective date of filing; special filing; section inapplicable to worker's compensation insurance.
- Section 500.2409 - Public hearing and report required; condition; basis of report; findings; certification; contested hearing; final report and certification; consideration by commissioner; forwarding
- Section 500.2409a - Worker's compensation insurance market; plan to create competition or availability; methods; powers of commissioner.
- Section 500.2409b - Availability of liquor liability insurance; report; certification; considerations; submission of report and certification; “liquor liability insurance” defined.
- Section 500.2409c - Public hearing; issuance and contents of tentative report; request for contested hearing; final report and certification; considerations.
- Section 500.2410 - Filing requirements; modification or suspension by insurance commissioner.
- Section 500.2411 - Rates and rating systems; classifications; merit rating plan; use of single enterprise rule or similar rule prohibited.
- Section 500.2412 - Filing requirements; adherence by insurer.
- Section 500.2414 - Filing requirements; excess rates on specific risks.
- Section 500.2416 - Disapproval of filing; notice; waiting period.
- Section 500.2418 - Disapproval of filing after approval; hearing; notice; procedure.
- Section 500.2419 - Excessive premium charges for worker's compensation insurance; personal meeting with management representative; providing reserve and redemption information to insured upon requ
- Section 500.2420 - Complaint of aggrieved person or organization; application for hearing; notice; order rendering filing ineffective; filing by insurer providing worker's compensation insurance c
- Section 500.2421 - Insurer authorized to write worker's compensation insurance; prohibited acts.
- Section 500.2426 - Manual of classifications, rules and rating plans; rates meeting standards.
- Section 500.2430 - Manual of classifications; rules and rating plans; alternative filing; effective date; hearing; order of disapproval; adjustment of premium; review of filing.
- Section 500.2431 - Group rated automobile insurance; MCL 500.2430 inapplicable.
- Section 500.2434 - Malpractice insurance for physicians; rating classifications; furnishing classifications to legislature and governor.
- Section 500.2436 - Application for license as rating organization; issuance of license by commissioner; fee; duration; notification of changes.
- Section 500.2438 - Rating organizations; subscribers; notice of changes in rules; furnishing of service without discrimination; review; order.
- Section 500.2440 - Rating organizations; rules affecting payment of dividends, savings or unabsorbed premium.
- Section 500.2446 - Rating organizations; cooperation with other rating organizations and insurers, discontinuance.
- Section 500.2450 - Rating organizations; deviation from filings, procedure, termination of deviation.
- Section 500.2452 - Rating organizations; alternative deviation, without waiting period, procedure, termination of deviation.
- Section 500.2456 - Rating organizations; subscriber appeal to insurance commissioner from action by organization.
- Section 500.2458 - Furnishing information as to rates; hearings for persons aggrieved by rating system; appeal; representation.
- Section 500.2462 - Advisory organizations; definition; filing; discontinuance of unfair or unreasonable practices; rate filings; violation.
- Section 500.2464 - Joint underwriting or reinsurance; unfair activities.
- Section 500.2468 - Examination of rating organizations; report.
- Section 500.2472 - Statistical plans; exchange of data, consultation.
- Section 500.2474 - Prohibited acts; violation; penalties.
- Section 500.2475 - Policy forms and statistical plans for worker's compensation insurance; continuation.
- Section 500.2476 - Assigned risks; rate modifications.
- Section 500.2477 - Submission of data and information by insurer providing professional liability insurance; retention of data and information as confidential records; release of records; liability.
- Section 500.2477a - Municipal liability insurance; data and information required; filing and release of data and information; liability.
- Section 500.2477b - Municipal liability claim or professional liability claim; submission of data by person paying or assuming liability to pay claim; retention, filing, and release of data and inform
- Section 500.2477c - Attorney representing plaintiff or defendant in regard to municipal liability or professional liability claim; submission of data to commissioner; retention, filing, and release of
- Section 500.2477d - Publication of report by commissioner.
- Section 500.2478 - Violation of chapter; imposition and disposition of civil fine; suspension or revocation of license.
- Section 500.2482 - Insurer or rating organization aggrieved by order without hearing; hearing, court review.
- Section 500.2484 - Insurance commissioner; regulatory powers.
218-1956-25 - CHAPTER 25 BROWN-McNEELY INSURANCE FUND (500.2500...500.2517)
- Section 500.2500-500.2517 - Repealed. 1977, Act 42, Imd. Eff. June 28, 1977;—1996, Act 548, Imd. Eff. Jan. 15, 1997.
218-1956-26 - CHAPTER 26 FIRE AND INLAND MARINE RATES (500.2600...500.2674)
- Section 500.2600 - Purpose of chapter; construction.
- Section 500.2601 - Scope of chapter.
- Section 500.2603 - Rate-making provisions; uniformity.
- Section 500.2604 - Expired. 1980, Act 461, Eff. Dec. 31, 1980.
- Section 500.2606 - Rate filings; effective date.
- Section 500.2608 - Rate filings; review by insurance commissioner; waiting period; specific inland marine rates on risks.
- Section 500.2610 - Filing requirements; modification or suspension by insurance commissioner.
- Section 500.2612 - Rate filings; adherence by insurer.
- Section 500.2614 - Rate organization; excess rates on specific risks.
- Section 500.2616 - Disapproval of filing by insurance commissioner; notice; waiting period; specific inland marine rate.
- Section 500.2618 - Failure of filing to meet requirements; procedure.
- Section 500.2620 - Disapproval of filing; complaint of aggrieved person or organization; hearing; notice; order rendering filing ineffective.
- Section 500.2626 - Manual, minimum, class rate, rating schedule, rating plan or rule; rates meeting standards.
- Section 500.2628 - Rates; alternative method of filing; disapproval; hearing; order; approval; adjustment of premium; review.
- Section 500.2630 - Rating organization; license application, contents.
- Section 500.2636 - Rating organizations; subscribers; notice of changes in rules and regulations; review; order.
- Section 500.2638 - Rating organizations; rules affecting payment of dividends, savings or unabsorbed premiums.
- Section 500.2640 - Rating organizations; cooperation with other rating organizations and insurers, discontinuance.
- Section 500.2642 - Rating organizations; submission of policies for examination; actuarial, technical, or other services.
- Section 500.2646 - Rating organizations; deviation, procedure, termination of deviation.
- Section 500.2648 - Rating organizations; alternative methods for deviation.
- Section 500.2650 - Rating organizations; member or subscriber, appeal to insurance commissioner.
- Section 500.2652 - Rating organizations; rating information to insured, appeal to insurance commissioner.
- Section 500.2654 - Advisory organizations; definition; filing; discontinuance of unfair or unreasonable practices; rate filings; violation.
- Section 500.2658 - Joint underwriting or reinsurance; unfair activities.
- Section 500.2662 - Examination of rating advisory organizations; report.
- Section 500.2664 - Statistical plans; exchange of data, consultation.
- Section 500.2666 - Withholding information, false or misleading information; penalties.
- Section 500.2670 - Violation of chapter; imposition and disposition of civil fines; suspension or revocation of license.
- Section 500.2672 - Insurer or rating organization aggrieved by order without hearing; hearing, court review.
- Section 500.2674 - Insurance commissioner; regulatory powers.
218-1956-27 - CHAPTER 27 LEGAL EXPENSE INSURANCE (500.2700...500.2706)
- Section 500.2700 - Applicability of chapter.
- Section 500.2702 - Meaning of group legal expense insurance.
- Section 500.2704 - Rate-making procedure; uniformity among insurers; excessive rates.
- Section 500.2706 - Procedures and standards for approval of casualty rates and forms to apply to legal expense insurance.
218-1956-28 - CHAPTER 28 FIRE INSURANCE CONTRACTS (500.2804...500.2866)
- Section 500.2804 - Fire insurance contracts on property herein deemed made in Michigan.
- Section 500.2806 - Policy or contract of fire insurance; requirements.
- Section 500.2807, 500.2808 - Repealed. 1990, Act 305, Imd. Eff. Dec. 14, 1990.
- Section 500.2810 - Printing regulations on fire policy.
- Section 500.2812 - Combination fire policy; mandatory provisions.
- Section 500.2816-500.2824 - Repealed. 1990, Act 305, Imd. Eff. Dec. 14, 1990.
- Section 500.2826 - Liability for difference between actual value of property and amount expended to repair, rebuild, or replace.
- Section 500.2827 - Fire policy providing reimbursement for lost or damaged property; maximum liability; cash settlement; payment of amount in excess of actual cash value of lost or damaged property.
- Section 500.2828 - Repealed. 1990, Act 305, Imd. Eff. Dec. 14, 1990.
- Section 500.2832 - Repealed. 1990, Act 305, Eff. Jan. 1, 1992.
- Section 500.2833 - Fire insurance policy; mandatory provisions; coverage.
- Section 500.2834 - Fire insurance policy; exclusion related to terrorism; definition.
- Section 500.2836 - Breach of warranty or condition as defense; payment of losses.
- Section 500.2840 - Repealed. 1990, Act 305, Imd. Eff. Dec. 14, 1990.
- Section 500.2842 - Average or pro rata clause; form; filing and approval.
- Section 500.2845 - Withholding 25% of actual cash value or final settlement where loss to insured real property due to fire or explosion; notice to treasurer, insured, and mortgagee; escrowing and ret
- Section 500.2850 - Repealed. 1962, Act 71, Eff. Mar. 28, 1963.
- Section 500.2860 - Contrary provision void.
- Section 500.2862 - Repealed. 1978, Act 219, Eff. Dec. 5, 1978.
- Section 500.2866 - Violation of chapter; forfeiture and disposition of fine; revocation of authority to transact business; reinstatement.
218-1956-29 - CHAPTER 29 BASIC PROPERTY INSURANCE (500.2901...500.2954)
- Section 500.2901 - Definitions.
- Section 500.2910 - Inspection of property; requests; operation of inspection bureau.
- Section 500.2912 - Issuing insurance at rate requiring consent under MCL 500.2414 or 500.2614; inspection; sworn statements; false affidavits; employing services of surplus lines agent; forms of sworn
- Section 500.2920 - Michigan basic property insurance association or “pool”; membership; plan of operation and amendments to plan; approval; compliance; designation of members as servicing facilities;
- Section 500.2921 - Board of governors as manager of pool; appointment, election, qualifications, and term of members; time of election; allotment of votes; increasing number of governors; vacancy.
- Section 500.2923 - Agents writing insurance on behalf of pool; commissions; losses.
- Section 500.2924 - Underwriting standards employed in determining acceptable risk for basic property insurance; basis of underwriting program for home insurance.
- Section 500.2925 - Application to pool for basic property insurance; form; findings; issuance of policy; reinsuring policies; statement required if risk found not acceptable; term of policy; renewal o
- Section 500.2925a - Application to pool for home insurance; form; findings; issuance of policy; reinsuring policies; statement required if property or applicant not qualified; term of policy; renewal
- Section 500.2925b - Liability; inspection; enforcement by commissioner.
- Section 500.2925c - Notice of rights to obtain home insurance.
- Section 500.2926-500.2929 - Repealed. 1971, Act 74, Eff. Aug. 1, 1971.
- Section 500.2930 - Basic property insurance; amount of premium; surcharge; establishment of rates; filing rates and policy forms.
- Section 500.2930a - Rates charged in territory for home insurance; rating territories; change in rates; review of rates; limitation on premium for repair cost policy; development of plans, rules, clas
- Section 500.2931 - Limitation on annual premiums written by or on behalf of pool; premium ratios.
- Section 500.2932 - Annual rate of assessment; establishment; purpose; basis; notice; payment of assessments; estimating assessable premiums; adjustment of premium rates; annual statement; assessments
- Section 500.2933 - Pool exempted from fees and taxes; exception.
- Section 500.2939 - Reinsurance permitted.
- Section 500.2940 - Repealed. 2000, Act 486, Imd. Eff. Jan. 11, 2001.
- Section 500.2941 - Pool; supervision, regulation and examination.
- Section 500.2942 - Liability for statements made in reports, at hearings, or in findings; reports of inspection bureau.
- Section 500.2943 - Appeal to insurance commissioner; hearing; order.
- Section 500.2950 - Repealed. 1971, Act 74, Eff. Aug. 1, 1971.
- Section 500.2952 - Federal riot reinsurance reimbursement fund; contents, assessments, reimbursements, retroactive effect.
- Section 500.2954 - Determinations made by commissioner.
218-1956-30 - CHAPTER 30 CASUALTY INSURANCE CONTRACTS (500.3004...500.3037)
- Section 500.3004 - Liability insurance policies; contents required.
- Section 500.3006 - Liability insurance policies; insolvency or bankruptcy of insured.
- Section 500.3008 - Liability insurance policies; notice to insurer.
- Section 500.3009 - Motor vehicle liability policy; minimum coverage; exclusion of named person; notice; documentary evidence of deleted coverages.
- Section 500.3010 - Loss or damage to insured vehicle caused by fire or explosion; payment of claim; report; applicability of section; local governments electing to apply section to all insurance compa
- Section 500.3012 - Liability insurance policy; noncomplying forms, defenses of insurer.
- Section 500.3015 - Repealed. 1991, Act 191, Eff. Apr. 1, 1992.
- Section 500.3020 - Policy of casualty insurance; mandatory provisions; filing rule providing minimum retention of premium for automobile insurance; issuance of policy to meet MCL 257.227a; providing s
- Section 500.3021 - Liability insurance policy; prohibits age discrimination, conditions.
- Section 500.3030 - Insurer not to be made or joined as party defendant; reference to insurer or insurance during trial.
- Section 500.3036 - Liability policy in lieu of bond on appeal; recognizance for costs; deposit of policy or bond; admission of liability; agreement to pay judgment; judgment in excess of coverage; sta
- Section 500.3037 - Limited collision, broad form collision, and standard and limited collision coverages; deductibles; waiver of deductible; rejection of coverages; form; rejection statement; failure
218-1956-30A - CHAPTER 30A (500.3051...500.3062)
- Section 500.3051-500.3062 - Repealed. 1993, Act 349, Imd. Eff. Jan. 10, 1994;—1993, Act 349, Eff. Oct. 1, 1995.
218-1956-31 - CHAPTER 31 MOTOR VEHICLE PERSONAL AND PROPERTY PROTECTION (500.3101...500.3179)
- Section 500.3101 - Security for payment of benefits required; period security required to be in effect; deletion of coverages; definitions; policy of insurance or other method of providing security; f
- Section 500.3101a - Providing certificates of insurance to policyholder; filing copy with secretary of state; vehicle identification number as proof of vehicle insurance; prohibited acts; misdemeanor;
- Section 500.3101b - Providing proof of vehicle insurance pursuant to MCL 500.3101a(2).
- Section 500.3101c - Standard certified statement.
- Section 500.3102 - Nonresident owner or registrant of motor vehicle or motorcycle to maintain security for payment of benefits; operation of motor vehicle or motorcycle by owner, registrant, or other
- Section 500.3103 - Owner or registrant of motorcycle; security required; offering security for payment of first-party medical benefits; rates, deductibles, and provisions.
- Section 500.3104 - Catastrophic claims association.
- Section 500.3105 - Insurer liable for personal protection benefits without regard to fault; “bodily injury” and “accidental bodily injury” defined.
- Section 500.3106 - Accidental bodily injury arising out of ownership, operation, maintenance, or use of parked vehicle as motor vehicle; conditions.
- Section 500.3107 - Expenses and work loss for which personal protection benefits payable.
- Section 500.3107a - Basis of work loss for certain injured persons.
- Section 500.3107b - Reimbursement or coverage for certain expenses not required.
- Section 500.3108 - Survivor's loss; benefits.
- Section 500.3109 - Subtraction of other benefits from personal protection benefits; “injured person” defined; deductible provision.
- Section 500.3109a - Offering deductibles and exclusions reasonably related to other health and accident coverage; rates; approval; applicability.
- Section 500.3110 - Dependents of deceased person; termination of dependency; accrual of personal protection benefits.
- Section 500.3111 - Payment of personal protection benefits for accident occurring out of state.
- Section 500.3112 - Persons to whom personal protection benefits payable; discharge of insurer's liability.
- Section 500.3113 - Persons not entitled to personal protection benefits.
- Section 500.3114 - Persons entitled to personal protection insurance benefits or personal injury benefits; recoupment barred; order of priority for claim of motor vehicle occupant or motorcycle operat
- Section 500.3115 - Priorities as to claims of persons not occupants of vehicle; partial recoupment; limitation on benefits.
- Section 500.3116 - Value of claim in tort; subtraction from or reimbursement for benefits.
- Section 500.3121 - Liability for accidental damage to tangible property.
- Section 500.3123 - Exclusions from property protection insurance benefits.
- Section 500.3125 - Priorities in claiming property protection benefits.
- Section 500.3127 - Distribution of loss, reimbursement, and indemnification among property protection insurers.
- Section 500.3131 - Residual liability insurance; coverage.
- Section 500.3135 - Tort liability for noneconomic loss; action for damages pursuant to subsection (1); abolition of tort liability; exceptions; action for damages pursuant to subsection (3)(d); commen
- Section 500.3141 - Notice of accident.
- Section 500.3142 - Personal protection benefits payable as loss accrues; overdue benefits.
- Section 500.3143 - Assignment of right to future benefits void.
- Section 500.3145 - Limitation of actions for recovery of personal or property protection benefits; notice of injury.
- Section 500.3146 - Limitation of action by insurer for recovery or indemnity.
- Section 500.3148 - Attorney's fee.
- Section 500.3151 - Submission to mental or physical examination.
- Section 500.3152 - Report of mental or physical examination.
- Section 500.3153 - Court orders as to noncompliance with MCL 500.3151 and 500.3152.
- Section 500.3157 - Charges for products, services, and accommodations where treatment rendered.
- Section 500.3158 - Statement of earnings; report and records from medical institution.
- Section 500.3159 - Discovery.
- Section 500.3163 - Certification by admitted and nonadmitted insurers as to protection of out-of-state resident; rights and immunities of insurer and insureds; benefits to out-of-state resident; limit
- Section 500.3171 - Assigned claims facility and plan; organization and maintenance; participation; costs; rules.
- Section 500.3172 - Conditions to obtaining personal protection insurance benefits through assigned claims plan; collection of unpaid benefits; reimbursement from defaulting insurers; reduction of bene
- Section 500.3173 - Certain persons disqualified from receiving benefits under assigned claims plans.
- Section 500.3173a - Eligibility for benefits; initial determination; denial; notice.
- Section 500.3174 - Notice of claim through assigned claims plan; assignment of claim; notice to claimant; commencement of action by claimant.
- Section 500.3175 - Rules for assignment of claims; duties of insurer to whom claims assigned; compromises and settlements; rules; limitation on action to enforce rights; interest on delinquent payment
- Section 500.3176 - Taking costs into account in making and regulating rates.
- Section 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.
- Section 500.3179 - Act applicable October 1, 1973.
218-1956-32 - CHAPTER 32 CANCELLATION OF AUTOMOBILE LIABILITY POLICIES (500.3201...500.3262)
- Section 500.3201 - Repealed. 1978, Act 218, Eff. Dec. 5, 1978.
- Section 500.3204 - Refusal to renew policy as cancellation; requisites.
- Section 500.3206 - Policy of automobile insurance; definition.
- Section 500.3208 - Inapplicability of chapter; termination of coverage at end of policy period.
- Section 500.3212 - Inapplicability of chapter; nonpayment of premiums.
- Section 500.3220 - Cancellation; reasons.
- Section 500.3224 - Denial of coverage; notice of cancellation.
- Section 500.3230 - Validity of cancellation; request for hearing.
- Section 500.3234 - Validity of cancellation; appeal, hearing by insurance commissioner, notice.
- Section 500.3240 - Validity of cancellation; conduct of hearing, determination.
- Section 500.3244 - Validity of cancellation; order for reinstatement or upholding cancellation; stay of cancellation; appeal.
- Section 500.3250 - Statements in cancellation notice; liability.
- Section 500.3254 - Filing fee; return to insured; disposition of funds.
- Section 500.3260 - Insurance commissioner; regulatory powers.
- Section 500.3262 - Private automobiles of peace officers, fire fighters, or ambulance drivers; cancellation of insurance; “ambulance driver” defined.
218-1956-33 - CHAPTER 33 AUTOMOBILE INSURANCE PLACEMENT FACILITY (500.3301...500.3390)
- Section 500.3301 - Michigan automobile insurance placement facility; purpose; participation.
- Section 500.3303 - Definitions.
- Section 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 faci
- Section 500.3315 - Repealed. 1991, Act 191, Eff. Apr. 1, 1992.
- Section 500.3320 - Private passenger nonfleet automobiles; duties of facility; insurance requirements.
- Section 500.3321 - Automobiles not included in MCL 500.3320; insurance required; equitable distribution of applicants to participating members.
- Section 500.3330 - Board of governors; powers generally; establishment of automatic data processing system.
- Section 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
- Section 500.3341 - Coverage for certain convictions; premium surcharges.
- Section 500.3341.amended - Coverage for certain convictions; premium surcharges.
- Section 500.3350 - Additional duties of facility.
- Section 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.
- Section 500.3360 - Participating member and agent; relationship.
- Section 500.3365 - Eligibility for automobile insurance; requesting assignment, rejecting assignment, or requesting reassignment; notice of statutory eligibility standards.
- Section 500.3370 - Assistance in applying to facility for placement.
- Section 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.
- Section 500.3385 - Recoupment of assessments; surcharge; rate including factor for recoupment.
- Section 500.3390 - Determinations made by commissioner.
218-1956-34 - CHAPTER 34 DISABILITY INSURANCE POLICIES (500.3400...500.3480)
- Section 500.3400 - Policy of disability insurance; scope of chapter, exemptions, exceptions.
- Section 500.3401 - Purpose of chapter; short title, uniform disability insurance policy provisions law.
- Section 500.3402 - Disability insurance policy; provisions required.
- Section 500.3403 - Individual disability insurance policy; coverage for newly born children; notice of birth; payment of premium.
- Section 500.3404 - Disability insurance policies issued for delivery to nonresident.
- Section 500.3405 - Prudent purchaser agreements with providers of hospital, nursing, medical, surgical, or sick-care services; disability insurance policies; rates; discrimination prohibited; prior co
- Section 500.3406 - Disability insurance policy; provisions required, captions, omissions, substitutions.
- Section 500.3406a - Hospital, medical, or surgical expense incurred policy; mastectomy benefit coverage required.
- Section 500.3406b - Coverage for mental health services by mental health care provider.
- Section 500.3406c - Hospice care; definition; description of coverage.
- Section 500.3406d - Coverage for breast cancer diagnostic services, breast cancer outpatient treatment services, and breast cancer rehabilitative services; coverage for breast cancer screening mammogr
- Section 500.3406e - Coverage for drug used in antineoplastic therapy and cost of its administration; conditions.
- Section 500.3406f - Excluded or limited coverage; “group” defined; applicability of section; crediting prior continuous health care coverage; examination by commissioner and director; report.
- Section 500.3406g - Policy or certificate offering dependent coverage to child; denial of enrollment on certain grounds prohibited.
- Section 500.3406h - Eligibility of parent for dependent coverage; health coverage of child through noncustodial parent; duties of insurer; court or administrative order and notice required.
- Section 500.3406i - Individual eligible under title XIX of social security act; assignment of rights of insured to department of social services.
- Section 500.3406j - Insured or applicant for expense-incurred hospital, medical, or surgical policy or certificate as victim of domestic abuse; refusal to provide coverage prohibited; exception; liabi
- Section 500.3406k - Emergency health services; medical services coverage; “stabilization” defined.
- Section 500.3406m - Access by insured to obstetrician-gynecologist.
- Section 500.3406n - Access to pediatric services.
- Section 500.3406o - Insurer providing prescription drug coverage; formulary restrictions.
- Section 500.3406p - Establishment of program to prevent onset of clinical diabetes required; report; coverages; “diabetes” defined.
- Section 500.3406q - Off-label use of approved drug; coverage; conditions; compliance; use of copayment, deductible, sanction, or utilization control; limitation; definitions.
- Section 500.3406r - Coverage for obstetrical and gynecological services by physician or nurse midwife.
- Section 500.3407 - Entire contract; changes.
- Section 500.3407a - Conduct on behalf of or information provided to insured by health care provider; prohibition or discouragement by disability insurer.
- Section 500.3407b - Undergoing genetic testing as condition of issuing, renewing, or continuing policy or certificate; disclosure of genetic testing or genetic information; prohibitions; “genetic info
- Section 500.3408 - Time limit on certain defenses; incontestability.
- Section 500.3409 - Disability insurance; mandatory notices as to cancellation and refund of premium.
- Section 500.3410 - Grace period; provision required.
- Section 500.3411 - Reinstatement; provision required.
- Section 500.3412 - Notice of claim; provision required.
- Section 500.3413 - Claim forms; provision required.
- Section 500.3414 - Proofs of loss; provision required.
- Section 500.3416 - Time of payment of claims; provision required.
- Section 500.3418 - Payment of claims provision required.
- Section 500.3420 - Physical examinations and autopsy; provision required.
- Section 500.3422 - Legal actions; provision required.
- Section 500.3424 - Change of beneficiary; provision required.
- Section 500.3425 - Health insurance policies; coverage for intermediate and outpatient care for substance abuse required; option to decline; charges, terms and conditions; reduction of coverage; deduc
- Section 500.3426 - Offer of wellness coverage by insurer.
- Section 500.3430 - Optional policy provisions; insurance commissioner's approval.
- Section 500.3432 - Change of occupation; optional provision.
- Section 500.3434 - Misstatement of age; optional provision.
- Section 500.3436 - Other insurance with same insurer; optional provision.
- Section 500.3438 - Insurance with other insurers; optional provision.
- Section 500.3439 - Insurance with other insurers; allowable provisions; report to legislature.
- Section 500.3440 - Insurance with other insurers; other benefits; optional provision.
- Section 500.3444 - Relation of earnings to insurance; optional provision.
- Section 500.3446 - Unpaid premium; optional provision.
- Section 500.3448 - Cancellation; optional provision.
- Section 500.3450 - Conformity with state statutes; optional provision.
- Section 500.3452 - Illegal occupation; optional provision.
- Section 500.3454 - Repealed. 1980, Act 429, Eff. Mar. 31, 1981.
- Section 500.3460 - Order of certain policy provisions.
- Section 500.3462 - Third party ownership of policy.
- Section 500.3464 - Foreign or alien insurers; provision required by other state law; domestic insurers; provision required by other state or country.
- Section 500.3466 - Filing procedure; insurance commissioner, regulatory powers.
- Section 500.3468 - Provisions violating code; construction of noncomplying policies and provisions.
- Section 500.3470 - Age of insured; provision regulations.
- Section 500.3474 - Risk classification; rates; filing requirements.
- Section 500.3475 - Reimbursement for services by licensed psychologist, podiatrist, or chiropractor; section inapplicable to policy or certificate involving prudent purchaser agreement.
- Section 500.3480 - Repealed. 1963, Act 127, Eff. Sept. 6, 1963.
218-1956-35 - CHAPTER 35 HEALTH MAINTENANCE ORGANIZATIONS (500.3501...500.3580)
- Section 500.3501 - Definitions.
- Section 500.3503 - Applicability of provisions to health maintenance organization.
- Section 500.3505 - Certificate of authority; use of descriptive words; restrictions.
- Section 500.3507 - Authorizing and regulating health maintenance organization; establishment of system by commissioner.
- Section 500.3508 - Quality assessment program; quality improvement program.
- Section 500.3509 - Certificate of authority; application; form; limitation; change of service area.
- Section 500.3511 - Governing body; election of enrollee board members; terms; vacancy; meetings.
- Section 500.3513 - Health delivery and business and financial operations; regulation by commissioner.
- Section 500.3515 - Additional health maintenance services; copayments; limitation; report on increase of employer and employee numbers; "preventive health care services" defined; partial payment from
- Section 500.3517 - Healthy lifestyle programs; emergency or out-of-area service; payment of expenses or fees.
- Section 500.3519 - Contract and contract rates; fairness; rate differential; basic health services required.
- Section 500.3521 - Prepayment rates; filing and approval of methodology; schedule.
- Section 500.3523 - Health maintenance contract; provisions.
- Section 500.3525 - Proposal to revise contract; approval of commissioner; approval with modifications; hearing; disposition; exception; notice.
- Section 500.3527 - Health maintenance contract; performance; violation of terms.
- Section 500.3528 - Health maintenance organization; duties.
- Section 500.3529 - Affiliated provider contracts; collection of payments from enrollees; contract provisions; waiver of requirement under subsection (2); contract format; evidence of sufficient number
- Section 500.3530 - Availability of covered services; assurance; establishment and maintenance of proximity.
- Section 500.3531 - Contracts with health care providers to become affiliated providers; requirements; standards; filing; duplicative standards; notice procedures; provider application period; approval
- Section 500.3533 - Prudent purchaser contracts; reimbursement for unauthorized services or services by nonaffiliated providers; rate and operating requirements; maintenance of financial records by hea
- Section 500.3535 - Solicitation or advertising.
- Section 500.3537 - Open enrollment period; acceptance of group members; rating nongroup membership.
- Section 500.3539 - Nongroup contract; exclusion or limitation; preexisting condition; renewal or continuation of nongroup contract or group contract; guaranteed renewal; healthy lifestyle program; "gr
- Section 500.3541 - Advocation by health professional.
- Section 500.3542 - Inducement to health professional prohibited; exception.
- Section 500.3543 - Third party administrator.
- Section 500.3545 - Acquisition of obligations from another managed care entity.
- Section 500.3547 - Health care service operations; visitation or examination by commissioner; consultation with enrollees; additional authority.
- Section 500.3548 - Maintenance of books, records, and files; funds and assets.
- Section 500.3549 - Disciplinary action; notice to board.
- Section 500.3551 - Health maintenance organization; net worth.
- Section 500.3553 - Minimum deposit requirements.
- Section 500.3555 - Financial plan.
- Section 500.3557 - Notice of changes in operations.
- Section 500.3559 - Reinsurance contract or plan; purpose; filing; approval; coverage.
- Section 500.3561 - Insolvency; continuation of benefits.
- Section 500.3563 - Insolvency; allocation of group coverage to health maintenance organizations and insurers participating in enrollment process; allocation of group coverage to health maintenance org
- Section 500.3565 - Cancellation of contract by nongroup subscriber.
- Section 500.3567 - Cancellation of contract with nongroup enrollee by health maintenance organization.
- Section 500.3569 - Assumption of financial risk; “requiring an affiliated provider to assume financial risk” defined.
- Section 500.3571 - State and federal health programs.
- Section 500.3573 - Operation of health care delivery system not meeting requirements of act; permitted conduct; limitations.
- Section 500.3580 - Consumer guide to health maintenance organizations; publication; contents; data; writing, presentation, promotion, and distribution of guide; access through internet.
218-1956-36 - CHAPTER 36 GROUP AND BLANKET DISABILITY INSURANCE (500.3600...500.3650)
- Section 500.3600 - Scope of chapter.
- Section 500.3601 - “Group disability insurance” defined.
- Section 500.3601a - Group disability insurance policy; issuance to trust or trustees; requirements.
- Section 500.3602 - Exemption as to workmen's compensation insurance.
- Section 500.3606 - Power to issue group disability insurance policies; filing and approval of form.
- Section 500.3607 - Replacement group disability insurance policy or certificate with preexisting condition limitation; elimination, reduction, or limitation of benefits; applicability of section to in
- Section 500.3608 - Group disability insurance policy; required provisions.
- Section 500.3609 - Expired. 1980, Act 429, Eff. Jan. 1, 1982.
- Section 500.3609a - Group disability insurance policy; substance abuse; effective date of section.
- Section 500.3610 - Group disability insurance policy; mandatory provisions.
- Section 500.3610a - Coordination of benefits.
- Section 500.3611 - Group disability insurance policy; coverage for newly born children; notice of birth; payment of premium.
- Section 500.3612 - Individual conversion policy.
- Section 500.3613 - Group hospital, medical, or surgical expense incurred policy; mastectomy benefit coverage required.
- Section 500.3614 - Coverage for mental health services by mental health care provider.
- Section 500.3615 - Hospice care; definition; description of coverage.
- Section 500.3616 - Coverage for breast cancer diagnostic services, breast cancer outpatient treatment services, and breast cancer rehabilitative services; coverage for breast cancer screening mammogra
- Section 500.3616a - Coverage for drug used in antineoplastic therapy and cost of its administration; conditions.
- Section 500.3620 - Family expense insurance; definition; authority to issue; form; provisions; risk classification and rates.
- Section 500.3630 - Hospital, medical, surgical, sick-care benefits; payment.
- Section 500.3631 - Prudent purchaser agreements with providers of hospital, nursing, medical, surgical, or sick-care services; group disability insurance or family expense insurance; options; applicab
- Section 500.3636 - Blanket disability insurance; definition.
- Section 500.3638 - Blanket disability insurance; insurer, power to issue; filing, approval, classifications, rates.
- Section 500.3640 - Blanket disability insurance policy; provisions required.
- Section 500.3650 - Blanket disability insurance; application; certificate; payment of benefits; liability of policyholder.
218-1956-37 - CHAPTER 37 SMALL EMPLOYER GROUP HEALTH COVERAGE (500.3701...500.3728)
- Section 500.3701 - Definitions.
- Section 500.3702 - Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
- Section 500.3703 - Scope of chapter.
- Section 500.3704 - Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
- Section 500.3705 - Geographic areas; determination of premiums; conditions; small employer or sole proprietor; rating factors.
- Section 500.3706 - Open enrollment period for sole proprietors; available health benefit plans; exclusion or limitation; preexisting condition.
- Section 500.3707 - Health benefit plan; marketing; affiliation period.
- Section 500.3708 - Special enrollment period.
- Section 500.3709 - Minimum participation rules.
- Section 500.3710 - Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
- Section 500.3711 - Guaranteed renewal; exceptions.
- Section 500.3712 - Decision to discontinue plan in geographic area.
- Section 500.3713 - Information offered upon request.
- Section 500.3714 - Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
- Section 500.3715 - Information and documentation; retention at principal place of business.
- Section 500.3716 - Archer medical savings account; exception.
- Section 500.3717 - Suspension; exemption; conditions; exception.
- Section 500.3718 - Applicability of MCL 550.1619.
- Section 500.3720 - Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
- Section 500.3721 - Competition; public hearing; report; supplemental report and certification.
- Section 500.3722 - Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
- Section 500.3723 - Applicability of provisions; date of health benefit plan.
- Section 500.3724 - Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
- Section 500.3726 - Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
- Section 500.3728 - Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
218-1956-38 - CHAPTER 38 MEDICARE SUPPLEMENT POLICIES AND CERTIFICATES (500.3801...500.3861)
- Section 500.3801 - Chapter; definitions.
- Section 500.3803 - Applicability of chapter.
- Section 500.3804 - Applicability of chapter.
- Section 500.3805 - Medicare supplement policy; definitions.
- Section 500.3807 - Basic core package of benefits; standards for plans K and L; applicability of section.
- Section 500.3807a - Medicare supplement policies or certificates with effective date for coverage on or after June 1, 2010; basic core package of benefits.
- Section 500.3808 - Medicare supplement insurance policy; availability of benefits in MCL 500.3811(5)(c) or 500.3811a(6)(c).
- Section 500.3809 - Additional benefits; reimbursement for preventive screening tests and services; definitions; applicability of section.
- Section 500.3809a - Medicare supplement policies or certificates with effective date for coverage on or after June 1, 2010; additional benefits.
- Section 500.3811 - Basic core benefits; availability; sale of certain benefits prohibited; designations, structure, language, and format; other designations; requirements; applicability of section.
- Section 500.3811a - Medicare supplement policies or certificates with effective date for coverage on or after June 1, 2010; basic core benefits; availability; sale of certain benefits prohibited; stru
- Section 500.3813 - Disability coverage; medicare supplement buyer's guide; applicability of section.
- Section 500.3815 - Outline of coverage; acknowledgment of receipt; compliance with notice requirements; substitute; language, format, and required items.
- Section 500.3817 - Medicare select policies and certificates; definitions; requirements for issuance; plan of operation; filing, format, and contents; proposed changes; updated list of network provide
- Section 500.3819 - Minimum standards; suspension of benefits and premiums; notice; reinstitution; offer to exchange 1990 standardized plan to 2010 plan.
- Section 500.3819a - Medicare supplement policies or certificates with effective date for coverage on or after June 1, 2010; minimum standards.
- Section 500.3821 - Issuance of policy to person not enrolled in medicare parts A and B prohibited; refund; interest.
- Section 500.3823 - Covered benefits more restrictive than benefits under medicare and required under state law prohibited; benefits for outpatient prescription drugs.
- Section 500.3825 - Preexisting diseases or conditions; waiver prohibited.
- Section 500.3827 - Duplicate benefits prohibited; application; statements and questions whether another policy in force; list of policies sold to applicant; notice regarding replacement coverage.
- Section 500.3829 - Denying or conditioning issuance based on health status, claims experience, receipt of health care, or medical condition of applicant prohibited; condition; exclusion of benefits ba
- Section 500.3829a - Medicare supplement policies or certificates delivered, issued for delivery, or renewed on or after May 21, 2009; genetic test; definitions.
- Section 500.3830 - Eligible person; requirements.
- Section 500.3830a - Termination of contract or agreement; notice to individual.
- Section 500.3831 - Individual or group expense incurred hospital, medical, or surgical policies; right of continuation, conversion, or type C medicare supplemental package; request for coverage; exclu
- Section 500.3833 - Replacement policy; waiver of certain time periods.
- Section 500.3835 - Marketing procedures; determining appropriateness of recommended purchase or replacement; more than 1 policy prohibited; individual enrolled in medicare advantage; “notice to buyer”
- Section 500.3837 - Repealed. 2002, Act 304, Imd. Eff. May 10, 2002.
- Section 500.3839 - Renewal or continuation provision; effect of termination or replacement; elimination of outpatient prescription drug benefit.
- Section 500.3841 - Riders or endorsements; signed acceptance or agreement; additional premium; use of certain standards, terms, and words; filing of changes in medicare benefits; elimination of duplic
- Section 500.3843 - Disability insurance; notice; contents; applicability of subsection (1).
- Section 500.3847 - Advertising; filing copy with commissioner.
- Section 500.3849 - Filing and approval requirements; deletion of outpatient prescription drug benefits; issuance of policy; use and change in premium rates; additional forms; availability; conditions
- Section 500.3851 - Aggregate benefits; rates, rating schedules, and rate revisions.
- Section 500.3852 - Benchmark ratio.
- Section 500.3853 - Refund or credit calculation; form; interest; due date.
- Section 500.3855 - Annual filing of rates, rating schedule, and supporting documentation; premium adjustments; public hearing for rate increase; failure to make premium adjustments.
- Section 500.3857 - Duties of insurer; certification of compliance with subsection (1)(a).
- Section 500.3859 - Prohibited conduct; violation as misdemeanor; penalty.
- Section 500.3861 - Probable cause of violation; notice of hearing; opportunity to confer and discuss; hearing; applicability of MCL 500.2038 to 500.2040; violation; penalty.
218-1956-39 - CHAPTER 39 LONG-TERM CARE INSURANCE (500.3901...500.3955)
- Section 500.3901 - Long-term care insurance; definitions.
- Section 500.3902 - Offer of long-term care coverage by subsidiary of health care corporation.
- Section 500.3903 - Group long-term care insurance; coverage offered to groups described in MCL 500.3901(c)(iv) and 500.3901(c)(iii).
- Section 500.3905 - Long-term care coverage; requirements; certain coverages requiring care recommendations.
- Section 500.3906 - Designation of person to receive notice of termination; reinstatement of coverage; effective date of section.
- Section 500.3907 - Individual long-term care policy; guaranteed renewable provision; conversion; new limitation period; intermediate care facility or skilled nursing facility; home care services.
- Section 500.3909 - Option to purchase inflation protection; summary of coverage; applicability of section.
- Section 500.3910 - Option of purchasing policy or certificate including nonforfeiture benefits; offer.
- Section 500.3910a - Nonforfeiture benefits; coverage elements, eligibility, benefit triggers, and benefit length; contingent benefit; premium increase; notification; duties of insurer; limitation on m
- Section 500.3910b - Reduction options; applicability of section to long-term care policies and certificates issued on or after June 1, 2007.
- Section 500.3911 - Preexisting condition; limitation period; definition.
- Section 500.3913 - Home health care benefits.
- Section 500.3915 - Certain conditions prohibited.
- Section 500.3917 - Replacement policy; waiver of time periods applicable to preexisting conditions and probationary periods.
- Section 500.3919 - Institutionalization; extension of benefits; limitations.
- Section 500.3921 - Application; questions relating to health condition; delivery; record of policy rescissions; annual report to commissioner.
- Section 500.3923 - Riders or endorsements; certain changes in benefits or premiums; definition, explanation, description, and labeling of certain terms.
- Section 500.3925 - Applicability of section to long-term care policy or certificate issued on or after June 1, 2007; information to be provided on forms; acknowledgement of disclosure; notice of premi
- Section 500.3926 - Applicability of section to long-term care policy or certificate issued on or after June 1, 2007; information to be provided to commissioner; premium rate schedule; statement; reque
- Section 500.3926a - Applicability of section to long-term care policy or certificate issued on or after June 1, 2007; notice of pending premium rate schedule increase; requirements; review and approva
- Section 500.3927 - Reasonableness of benefits relative to premiums; expected loss ratio; evaluation of factors; applicability of section.
- Section 500.3928 - Fixed indivisible premium life insurance policy funding long-term care benefits by accelerating death benefit; reasonableness of benefits relative to premiums; provisions.
- Section 500.3929 - Increasing premiums prohibited; conditions.
- Section 500.3930 - Acceleration of benefits under group or individual life policies or riders; determination of policy reserves.
- Section 500.3931 - Rules.
- Section 500.3933 - Summary of coverage.
- Section 500.3935 - Statement relating to request for additional information.
- Section 500.3937 - Shopper's guide; format; providing to applicants; exception.
- Section 500.3939 - Application; questions relating to other policies in force or use as replacement; agent's list of other policies sold; notice to applicant and existing insurer; appropriateness
- Section 500.3941 - Advertising; filing copy with commissioner.
- Section 500.3941a - Inapplicability of section to life insurance policies or riders containing accelerated benefits; development of suitability standards.
- Section 500.3942 - Marketing; duties of insurer; use of "level premium" or "noncancelable" prohibited; exception.
- Section 500.3942a - Reporting requirements; agent activities; preparation of report.
- Section 500.3943 - Right to return policy; notice; “direct response solicitation” defined.
- Section 500.3945 - Violation; penalty.
- Section 500.3949 - Life and long-term care benefits; marketing; compliance.
- Section 500.3951 - Policy summary; compliance with MCL 500.3933; additional provisions; monthly report.
- Section 500.3953 - Disclosure statement.
- Section 500.3955 - Compliance with chapter and applicable laws.
218-1956-4 - CHAPTER 4 AUTHORIZATION OF INSURERS AND GENERAL REQUIREMENTS (500.402...500.480)
- Section 500.402 - Insurers; certificate of authority requirement.
- Section 500.402a - Transactions of insurance requiring certificate of authority.
- Section 500.402b - Transactions of insurance not requiring certificate of authority.
- Section 500.402c - Motor vehicle rental company; insurance transaction; definitions.
- Section 500.403 - Insurers; authorization to do business.
- Section 500.404 - Insurers; financial conditions; compliance required.
- Section 500.405 - Foreign insurer; revocation of certificate of authority; conditions; requalification for certificate of authority if control acquired; determination.
- Section 500.405a - Insurer subject to delinquency proceedings; revocation of certificate of authority; conditions.
- Section 500.405b - Requalification pursuant to MCL 500.405 or 500.405a; formal review.
- Section 500.406 - Foreign insurer; limitation on corporate purposes and powers; election of statute; denial of admission or authority; continuation of license to transact insurance business previously
- Section 500.407 - Authorization to transact kinds of insurance; exceptions.
- Section 500.407a - Noninsured benefit plan; offering and writing excess loss insurance; definition; authority of insurer not limited.
- Section 500.408 - Insurers; capital, surplus, or asset requirement; schedule; multiple lines; provisions for transacting certain insurance; applicability of section; compliance with MCL 500.403.
- Section 500.410 - Minimum amount of unimpaired capital and surplus; minimum amount and use of additional surplus; transacting life insurance or property insurance; continuing to transact insurance; tr
- Section 500.410a - Bail bond surety and fidelity insurance company; authority to transact insurance.
218-1956-40 - CHAPTER 40 LIFE INSURANCE POLICIES AND ANNUITY CONTRACT (OTHER THAN INDUSTRIAL OR GROUP) (500.4000...500.4073)
218-1956-41 - CHAPTER 41 MODIFIED GUARANTEED ANNUITIES (500.4101...500.4127)
218-1956-41A - CHAPTER 41A ANNUITY RECOMMENDATION TO CONSUMERS (500.4151...500.4165)
218-1956-42 - CHAPTER 42 INDUSTRIAL LIFE INSURANCE (500.4200...500.4244)
218-1956-44 - CHAPTER 44 GROUP LIFE INSURANCE (500.4400...500.4454)
218-1956-45 - CHAPTER 45 INSURANCE FRAUD (500.4501...500.4511)
218-1956-46 - CHAPTER 46 CAPTIVE INSURANCE COMPANIES (500.4601...500.4673)
218-1956-47 - CHAPTER 47 SPECIAL PURPOSE FINANCIAL CAPTIVES (500.4701...400.4747)
- Section 400.4747 - Issuance of regulations; employment of legal counsel.
218-1956-48 - CHAPTER 48 PROTECTED CELL INSURANCE COMPANIES (500.4801...500.4813)
- Section 400.4803 - Protected cells; establishment; written approval of commissioner; name or designation; attribution of assets and liabilities; attachment of security interest; contracting with third
218-1956-5 - CHAPTER 5 PRIVACY OF FINANCIAL INFORMATION (500.501...500.547)
218-1956-50 - CHAPTER 50 ORGANIZATION OF DOMESTIC STOCK AND MUTUAL INSURERS (500.5000...500.5040)
218-1956-51 - CHAPTER 51 ORGANIZATION OF AN ACQUIRING INSURER FOR TRANSACTION OF CERTAIN TYPES OF INSURANCE (500.5100...500.5114)
218-1956-52 - CHAPTER 52 CORPORATE POWERS, PROCEDURES OF STOCK AND MUTUAL INSURERS (500.5200...500.5290)
218-1956-54 - CHAPTER 54 MUTUAL LIFE AND DISABILITY INSURERS (DOMESTIC) (500.5400...500.5430)
218-1956-58 - CHAPTER 58 GENERAL MUTUAL INSURERS (DOMESTIC) (500.5800...500.5840)
218-1956-59 - CHAPTER 59 CONVERSION OF DOMESTIC MUTUAL INSURER TO DOMESTIC STOCK INSURER (500.5901...500.5927)
218-1956-6 - CHAPTER 6 KINDS OF INSURANCE; REINSURANCE; LIMIT OF RISK (500.600...500.644)
218-1956-60 - CHAPTER 60 Reorganization of Mutual Insurers (500.6001...500.6031)
218-1956-61 - CHAPTER 61 AUTOMOBILE THEFT PREVENTION AUTHORITY (500.6101... 500.6125)
218-1956-62 - CHAPTER 62 MUTUAL EMPLOYERS' LIABILITY INSURERS (DOMESTIC) (500.6200...500.6236)
218-1956-64 - CHAPTER 64 COOPERATIVE PLAN INSURERS (DOMESTIC) (500.6400...500.6460)
218-1956-65 - CHAPTER 65 LIMITED LIABILITY POOLS (500.6500...500.6550)
218-1956-66 - CHAPTER 66 RAILWAY EMPLOYEES, AND LIFE, DISABILITY INSURERS (DOMESTIC, STOCK) (500.6600...500.6616)
218-1956-68 - CHAPTER 68 FARMERS' AND OTHER SPECIAL MUTUAL PROPERTY INSURERS (DOMESTIC) (500.6800...500.6886)
218-1956-7 - CHAPTER 7 RESERVE STANDARDS FOR DISABILITY INSURANCE (500.701...500.737)
218-1956-70 - CHAPTER 70 MULTIPLE EMPLOYER WELFARE ARRANGEMENTS (500.7001...500.7090)
218-1956-72 - CHAPTER 72 RECIPROCAL INSURANCE EXCHANGES (500.7200...500.7234)
218-1956-73 - CHAPTER 73 TITLE INSURERS (500.7300...500.7318)
218-1956-76 - CHAPTER 76 CONSOLIDATION OR MERGER OF DOMESTIC INSURERS (500.7604...500.7606)
218-1956-77 - CHAPTER 77 (500.7701...500.7780)
218-1956-78 - CHAPTER 78 LIQUIDATIONS AND RECEIVERSHIPS (500.7800...500.7868)
218-1956-79 - CHAPTER 79 PROPERTY AND CASUALTY GUARANTY ASSOCIATION (500.7901...500.7949)
218-1956-8 - CHAPTER 8 ASSETS AND LIABILITIES (500.808...500.842)
218-1956-80 - CHAPTER 80 FRATERNAL BENEFIT SOCIETIES (500.8000...500.8095)
218-1956-81 - CHAPTER 81 SUPERVISION, REHABILITATION, AND LIQUIDATION (500.8101...500.8160)
218-1956-81A - CHAPTER 81a FRATERNAL BENEFIT SOCIETIES (500.8161...500.8199a)
218-1956-82 - CHAPTER 82 TRANSFORMATION OF FRATERNAL BENEFIT SOCIETIES (500.8204...500.8254)
218-1956-83 - CHAPTER 83 REPEALS, SAVING CLAUSE, EFFECTIVE DATE (500.8300...500.8302)
218-1956-9 - CHAPTER 9 INVESTMENTS (500.900...500.960)