reglab/housing_qa huggingface dataset:
MI Comp L § 500.2116a (2021)
2021 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 500.2116a - Automobile Insurance; Person on Active Duty in United States Armed Forces; Lapse in Coverage; Prohibited Conduct by Insurer; Conditions.

500.2116a Automobile insurance; person on active duty in United States armed forces; lapse in coverage; prohibited conduct by insurer; conditions.Sec. 2116a.  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 solely because a person failed to maintain insurance required by section 3101 for a vehicle owned by the person during the 6-month period immediately preceding application if the person certifies on a form provided by the insurer that the lapse in coverage was because the person was on active duty in the armed forces of the United States for at least 30 consecutive days and that the vehicle was not driven or moved during the 6-month period immediately preceding application or during the period of time the insurance was not maintained, whichever period is shorter. This section applies only to an eligible person. History: Add. 2007, Act 35, Imd. Eff. July 11, 2007 Popular Name: Act 218Popular Name: Essential InsurancePopular Name: No-Fault Insurance
MI Comp L § 500.2116b (2021)
2021 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 500.2116b - Automobile Insurance; Lapse in Coverage; Prohibited Conduct by Insurer; Applicability.

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
MI Comp L § 500.2119 (2021)
2021 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 500.2119 - Underwriting Rules to Be in Writing; Inconsistent Transactions Prohibited; Uniform Application of Underwriting Rules Required; Adoption of Underwriting Rules by Insurer With More Than 1 Rating Plan; Underwriting Rules for New Applicants and for Renewals; Filing and Public Inspection of Underwriting Rules; Order Prohibiting Use of Inconsistent Underwriting Rule.

500.2119 Underwriting rules to be in writing; inconsistent transactions prohibited; uniform application of underwriting rules required; adoption of underwriting rules by insurer with more than 1 rating plan; underwriting rules for new applicants and for renewals; filing and public inspection of underwriting rules; order prohibiting use of inconsistent underwriting rule.Sec. 2119.  (1) Each insurer subject to this chapter shall put in writing all underwriting rules used by the insurer. An insurer shall not transact automobile or home insurance inconsistently with its underwriting rules.  (2) An insurer shall apply its underwriting rules uniformly and without exception throughout this state, so that every applicant or insured conforming with the underwriting rules will be insured or renewed, and so that every applicant or insured not conforming with the underwriting rules will be refused insurance or nonrenewed, when the information becomes available to the insurer.  (3) An insurer with more than 1 rating plan for automobile insurance contracts providing identical coverages shall not adopt underwriting rules that would permit a person to be insured, for automobile insurance, under more than 1 of the rating plans.  (4) An insurer may establish underwriting rules for new applicants that are different than rules for renewals of existing insureds only if the applicants or existing insureds are not eligible persons. Underwriting rules pertaining to renewals of existing insureds who are not eligible persons may be based on a contractual obligation of the insurer not to cancel or nonrenew.  (5) For informational purposes, an insurer shall file with the commissioner its underwriting rules before their use in this state. All filed underwriting rules shall be available for public inspection. If the commissioner finds that an underwriting rule is inconsistent with this chapter, the commissioner, after a hearing held under the administrative procedures act of 1969, 1969 PA 306, MCL 24.201 to 24.328, shall by order prohibit further use of the underwriting rule.  (6) This section does not prohibit an insurer from insuring persons who are not eligible persons under underwriting rules established under this section and sections 2117, 2118, and 2120. History: Add. 1979, Act 145, Eff. Jan. 1, 1981 ;-- Am. 1980, Act 461, Imd. Eff. Jan. 15, 1981 ;-- Am. 2012, Act 441, Imd. Eff. Dec. 27, 2012 Popular Name: Act 218Popular Name: Essential InsurancePopular Name: No-Fault Insurance
MI Comp L § 500.2119a (2021)
2021 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 500.2119a - Automobile Insurance; Calculating Insurance Eligibility Points.

500.2119a Automobile insurance; calculating insurance eligibility points. Sec. 2119a.  In calculating insurance eligibility points for purposes of determining eligibility for automobile insurance and for purposes of applying underwriting rules, only the highest applicable insurance eligibility point value shall be accumulated for any single occurrence involving more than 1 violation, or for any single occurrence involving 1 or more violations together with 1 substantially at-fault accident determination. History: Add. 1980, Act 461, Imd. Eff. Jan. 15, 1981 Popular Name: Act 218Popular Name: Essential InsurancePopular Name: No-Fault Insurance
MI Comp L § 500.2121 (2021)
2021 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 500.2121 - Home Insurance; Criteria for Selecting Dwellings for Inspection; Inspection Program; Filing Inspection Criteria; Disapproval of Inspection Criteria; Liability.

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
MI Comp L § 500.2122 (2021)
2021 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 500.2122 - Declination of Insurance; Explanation of Reasons; Refusal of Application Form as Declination.

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
MI Comp L § 500.2123 (2021)
2021 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 500.2123 - 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.

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. Sec. 2123.  (1) Except as provided in subsection (2) or (3), a termination of insurance shall not be effective unless the insurer, at least 30 days prior to the date of termination, delivers or mails to the named insured at the person's last known address a written notice of the termination. The notice shall state the effective date of termination and each specific reason for the termination.  (2) A notice of termination mailed or delivered within the first 55 days after the initial issuance of a policy may be made effective not less than 20 days after the date of mailing or delivery of the notice.  (3) A notice of termination for nonpayment of premium shall be effective as provided in the policy.  (4) A termination of insurance shall not be effective unless the termination is due to reasons which conform to the underwriting rules of the insurer for that insurance.   (5) This section shall not authorize an insurer to terminate an automobile insurance policy in violation of chapter 32. History: Add. 1979, Act 145, Eff. Jan. 1, 1981 Popular Name: Act 218Popular Name: Essential InsurancePopular Name: No-Fault Insurance
MI Comp L § 500.2124 (2021)
2021 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 500.2124 - Liability for Information or Statement.

500.2124 Liability for information or statement.  Sec. 2124.  (1) There shall be no civil liability on the part of, and a cause of action of any nature shall not arise against, the commissioner, an insurer, an employee of an insurer, an authorized representative, agent, or employee of the commissioner, or any licensed insurance agent furnishing to an insurer information required pursuant to sections 2122 and 2123 relating to reasons for cancellation, nonrenewal, or declination, for any statement made by them concerning an insured or applicant for insurance.  (2) Subsection (1) shall not apply if a statement made is shown to have been made with gross negligence or in bad faith with malice in fact, and if the statement was made under any of the following circumstances:  (a) In a written notice of cancellation, nonrenewal, or declination, or in any other written or oral communication specifying the reason or reasons for cancellation, nonrenewal, or declination.  (b) In a communication providing information pertaining to a cancellation, nonrenewal, or declination.   (c) As a part of statements made or evidence submitted in a court or administrative proceeding, hearing, or informal inquiry in which the cancellation, nonrenewal, or declination to which the statement relates is an issue. History: Add. 1979, Act 145, Eff. Jan. 1, 1981 Popular Name: Act 218Popular Name: Essential InsurancePopular Name: No-Fault Insurance
MI Comp L § 500.2125 (2021)
2021 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 500.2125 - Suspension of Insurer's Obligation Under MCL 500.2117 or 500.2118; Hearing; Duration of Suspension.

500.2125 Suspension of insurer's obligation under MCL 500.2117 or 500.2118; hearing; duration of suspension. Sec. 2125.  (1) After providing an opportunity for a hearing under Act No. 306 of the Public Acts of 1969, as amended, the commissioner shall suspend an insurer's obligations under section 2117, 2118, or both, if any of the following occurs:  (a) A condition exists for which the commissioner may suspend, revoke, or limit the authority of the insurer pursuant to section 436, and the commissioner determines that suspension of all or a part of the insurer's obligations would be in the best interests of the public, the insurer, and the policyholders of the insurer.  (b) The insurer requests suspension and the commissioner finds that requiring the insurer to comply with section 2117, 2118, or both would cause the insurer undue financial or administrative hardship.  (2) If an insurer requests suspension and avers that there is an immediate need to cease its compliance with section 2117, 2118, or both, because of undue financial or administrative hardship under subsection (1)(b), the insurer's obligation to comply with section 2117, 2118, or both shall be suspended 10 business days after the insurer has filed the request and supporting documentation with the commissioner, unless within that time, the commissioner holds a hearing and finds that undue hardship under subsection (1)(b) will not be caused by continued compliance.   (3) The suspension provided in subsection (1) shall continue until the commissioner, upon the commissioner's own motion or upon request, after providing opportunity for a hearing under Act No. 306 of the Public Acts of 1969, as amended, orders its revocation. History: Add. 1979, Act 145, Eff. Jan. 1, 1981 Popular Name: Act 218Popular Name: Essential InsurancePopular Name: No-Fault Insurance
MI Comp L § 500.2126 (2021)
2021 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 500.2126 - Suspension of Acceptance of Applications; Filing and Contents of Notice; Disapproval.

500.2126 Suspension of acceptance of applications; filing and contents of notice; disapproval. Sec. 2126.  An insurer may at any time suspend its acceptance of all applications from new automobile or home insurance risks by filing a notice with the commissioner. The notice shall specify the period of the suspension and the method by which the insurer proposes to effect the suspension. A suspension is subject to the disapproval of the commissioner if, after a hearing held pursuant to Act No. 306 of the Public Acts of 1969, as amended, the commissioner finds that the suspension does not have a legitimate business purpose which is consistent with the purposes of this chapter or that the suspension would adversely affect the maintenance of a competitive market. History: Add. 1979, Act 145, Eff. Jan. 1, 1981 Popular Name: Act 218Popular Name: Essential InsurancePopular Name: No-Fault Insurance
MI Comp L § 500.2127 (2021)
2021 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 500.2127 - Collecting and Reporting Data; Rule; Use of Sampling Techniques.

500.2127 Collecting and reporting data; rule; use of sampling techniques. Sec. 2127.  The commissioner may by rule prospectively require insurers, rating organizations, and advisory organizations to collect and report data only to the extent necessary to monitor and evaluate the automobile and home insurance markets in this state. The commissioner shall authorize the use of sampling techniques in each instance where sampling is practicable and consistent with the purposes for which the data are to be collected and reported. History: Add. 1979, Act 145, Eff. Jan. 1, 1981 Popular Name: Act 218Popular Name: Essential InsurancePopular Name: No-Fault Insurance
MI Comp L § 500.2128 (2021)
2021 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 500.2128 - Repealed. 1986, Act 10, Imd. Eff. Feb. 28, 1986.

500.2128 Repealed. 1986, Act 10, Imd. Eff. Feb. 28, 1986. Compiler's Notes: The repealed section pertained to development of sales offices to assure access to competitive insurance markets.Popular Name: Act 218Popular Name: Essential InsurancePopular Name: No-Fault Insurance
MI Comp L § 500.2129 (2021)
2021 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 500.2129 - Exemption From Chapter; Request; Form; Continuation of Exemption; Filing Annual Reporting Form; Order Discontinuing Exemption; Requalification for Exemption Prohibited; Ineligible Insurers.

500.2129 Exemption from chapter; request; form; continuation of exemption; filing annual reporting form; order discontinuing exemption; requalification for exemption prohibited; ineligible insurers.  Sec. 2129.  (1) Each insurer whose surplus as concerns policyholders as of December 31, 1979 as shown on the annual financial statement filed with the commissioner was $4,000,000.00 or less shall be exempt from the provisions of this chapter, if the insurer files with the commissioner a written request for such an exemption on or before January 1, 1981 on a form provided by the commissioner.  (2) The exemption granted under this section shall continue indefinitely with respect to an insurer initially qualifying, so long as that insurer experiences no disproportionate growth in premium volume in automobile insurance or home insurance, or changes in the insurer's pattern, location, or contours of that insurance business which indicate that the insurer is utilizing its exemption to take unfair competitive advantage of competing insurers who do not enjoy the benefits of the exemption.  (3) The commissioner shall provide each insurer with a reporting form which shall be filed annually with the commissioner by which the commissioner can monitor each insurer's continued compliance with the standards of business conduct required for the continuation of the exemption.  (4) If the commissioner finds after a hearing held pursuant to Act No. 306 of the Public Acts of 1969, as amended, that an insurer no longer qualifies for the exemption granted under this section, the commissioner shall issue an order to that effect. Beginning 6 months after the date of an order issued under this subsection, the insurer shall be fully subject to all the provisions of this chapter and shall not be permitted to requalify for an exemption under this section.  (5) An exemption under this section shall not be granted to any insurer that directly, or indirectly through 1 or more intermediaries, controls, or is controlled by, or is under common control with the insurer specified whose surplus as concerns policyholders is in excess of the amount stated in subsection (1).  (6) An insurer admitted to do business in this state after January 1, 1981 shall not be eligible to qualify for the exemption granted under this section. History: Add. 1979, Act 145, Eff. Jan. 1, 1981 ;-- Am. 1980, Act 461, Imd. Eff. Jan. 15, 1981 Popular Name: Act 218Popular Name: Essential InsurancePopular Name: No-Fault Insurance
MI Comp L § 500.2130 (2021)
2021 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 500.2130 - Rules Requiring Exchange of Insurance Claim Information; Liability.

500.2130 Rules requiring exchange of insurance claim information; liability. Sec. 2130.  (1) The commissioner shall promulgate rules requiring insurers to exchange automobile and home insurance claim information necessary to effectuate compliance with this chapter.  (2) There shall be no civil liability on the part of, and a cause of action of any nature shall not arise against, the commissioner, an insurer, or an authorized representative, agent, employee, or affiliate of the commissioner or an insurer, for acts or omissions, other than acts made with gross negligence or in bad faith with malice in fact, related to the exchange of claim information. History: Add. 1979, Act 145, Eff. Jan. 1, 1981 ;-- Am. 1980, Act 461, Imd. Eff. Jan. 15, 1981 Popular Name: Act 218Popular Name: Essential InsurancePopular Name: No-Fault Insurance
MI Comp L § 500.2131 (2021)
2021 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 500.2131 - Effective Date of MCL 500.2101 to 500.2105, 500.2107, and 500.2131; Effective Date of Chapter Generally.

500.2131 Effective date of MCL 500.2101 to 500.2105, 500.2107, and 500.2131; effective date of chapter generally. Sec. 2131.  Sections 2101 to 2105, 2107, and this section shall take effect January 1, 1980. The balance of this chapter shall take effect January 1, 1981. History: Add. 1979, Act 145, Eff. Jan. 1, 1980 Popular Name: Act 218Popular Name: Essential InsurancePopular Name: No-Fault Insurance
MI Comp L § 500.2134-500.2138 (2021)
2021 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 500.2134-500.2138 - Repealed. 1991, Act 191, Eff. Apr. 1, 1992.

500.2134-500.2138 Repealed. 1991, Act 191, Eff. Apr. 1, 1992. Compiler's Notes: The repealed sections pertained to requirements for an insurer transacting automobile insurance in state, verification of existence of automobile, and filing report of theft as condition to claim payment.Popular Name: Act 218