Michigan Compiled Laws
218-1956-21 - Chapter 21 (500.2101...500.2138)
Section 500.2121 - Home Insurance; Criteria for Selecting Dwellings for Inspection; Inspection Program; Filing Inspection Criteria; Disapproval of Inspection Criteria; Liability.

Sec. 2121.
(1) If an insurer uses an inspection of a dwelling to determine whether the insured or applicant is an eligible person for home insurance, criteria for selecting dwellings for inspection shall not be based on race, color, creed, marital status, sex, national origin, residence, age, disability, or lawful occupation.
(2) If an insurer establishes an inspection program that provides for inspection of a portion of its existing business on a periodic basis, the inspection program shall not be based on any of the criteria in subsection (1).
(3) Criteria for selecting dwellings for inspection shall be filed with the commissioner for informational purposes only. The commissioner, after a hearing held pursuant to the administrative procedures act of 1969, 1969 PA 306, MCL 24.201 to 24.328, shall disapprove the further use of inspection criteria if the commissioner finds that the criteria are inconsistent with this chapter.
(4) There is no civil liability, other than contractual liability, if applicable, on the part of, and a cause of action of any nature does not arise against, the commissioner, an insurer, an inspection bureau, an authorized representative, agent, employee, or affiliate of the commissioner, an insurer, or an inspection bureau, or any licensed insurance agent for acts or omissions related solely to the physical condition of the property in an inspection conducted for insurance purposes under this chapter.
History: Add. 1979, Act 145, Eff. Jan. 1, 1981 ;-- Am. 1980, Act 461, Imd. Eff. Jan. 15, 1981 ;-- Am. 1998, Act 26, Imd. Eff. Mar. 12, 1998 ;-- Am. 2002, Act 492, Eff. Mar. 31, 2003 ;-- Am. 2012, Act 441, Imd. Eff. Dec. 27, 2012 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.