Michigan Compiled Laws
218-1956-21 - Chapter 21 (500.2101...500.2138)
Section 500.2116b - Automobile Insurance; Lapse in Coverage; Prohibited Conduct by Insurer; Applicability.

Sec. 2116b.
(1) Subject to subsection (2), an automobile insurer shall not refuse to insure, refuse to continue to insure, limit coverage available to, charge a reinstatement fee for, or increase the premiums for automobile insurance for an eligible person solely because the person previously failed to maintain insurance required by section 3101 for a vehicle owned by the person.
(2) This section only applies to an eligible person that applies for automobile insurance before January 1, 2022.
History: Add. 2019, Act 21, Imd. Eff. June 11, 2019 Popular Name: Act 218Popular Name: Essential InsurancePopular Name: No-Fault Insurance

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Structure Michigan Compiled Laws

Michigan Compiled Laws

Chapter 500 - Insurance Code of 1956

Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)

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; Group Plan Requirements; Group Discounts; Applicability to Certain Insurers; Effective Date.

Section 500.2106 - Applicability of Chapters 24 and 26; File, Approval, and Use of Rates; Inconsistent Provisions.

Section 500.2107 - Filings; Review; Disputes; Approval; Order of Disapproval; Revised Filing.

Section 500.2108 - Filing of Manual or Plan; Statement of Character and Extent of Coverage; Maintaining Rates in Effect for Eligible Persons; Insurer as Member of or Subscriber to Rating Organization; Deviations; Certification, Contents, and Public I...

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; Additional Factors.

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 500.2111f - Automobile Insurance; Premium Rate Reduction Requirements for Personal Protection Insurance Coverage; Approval by Director; Use of Savings; Applicability to Certain Increases; Inclusion of Catastrophic Claims Assessment; Severabil...

Section 500.2112 - Written Notice to Policyholder; Information Available Upon Request; Contact Information; Manner of Providing; Trade Secret.

Section 500.2113 - Private Informal Managerial-Level Conference With Insurer; Internal Procedures; Review and Determination by Commissioner; Procedure for Determination; Hearing Matter as Contested Case.

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 500.2116b - Automobile Insurance; Lapse in Coverage; Prohibited Conduct by Insurer; Applicability.

Section 500.2117 - Home Insurance; Condition of Maintaining Insurer's Certificate of Authority; Basis of Underwriting Rules; Provisions Applicable to Repair Cost Policy; Rates; Aggregation of Claims; Adjustment of Minimum Dollar Amounts.

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 Insurer With More Than 1 Rating Plan; Underwriting Rules for New Appli...

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); Underwriting Rules Defining Applicable Rating Pl...

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 Authorized.

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 Insurers.

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.