Michigan Compiled Laws
218-1956-21 - Chapter 21 (500.2101...500.2138)
Section 500.2122 - Declination of Insurance; Explanation of Reasons; Refusal of Application Form as Declination.

Sec. 2122.
(1) An insurer or agent, upon making a declination of insurance, shall inform the applicant of each specific reason for the declination. If the application or request for coverage was made in writing, the insurer or agent shall provide the explanation of reasons in writing. If the application or request for coverage was made orally, the insurer or agent may provide the applicant with an oral explanation instead of a written explanation, and shall offer to provide a written explanation if the applicant requests a written explanation within 90 days.
(2) A refusal, by an insurer or agent, to provide upon request an application form or other means of making an application or request for coverage shall be considered a declination subject to this section.
History: Add. 1979, Act 145, Eff. Jan. 1, 1981 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.