reglab/housing_qa huggingface dataset:
MI Comp L § 500.2077 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-20 - Chapter 20 Unfair and Prohibited Trade Practices and Frauds (500.2001...500.2093)|Section 500.2077 - Creditors; Favoritism of Insurer Prohibited; Construction of Section, Violation, Penalty.

500.2077 Creditors; favoritism of insurer prohibited; construction of section, violation, penalty. Sec. 2077.  (1) No person shall require, as a condition precedent to the lending of money or extension of credit, or any renewal thereof, that the person, to whom such money or credit is extended or whose obligation the creditor is to acquire or finance, negotiate any policy or contract of insurance through a particular insurance agent or with a particular insurer. No person engaged in the business of financing real or personal property other than motor vehicles or of lending money or extending credit, shall directly or indirectly require that the borrower pay a consideration of any kind to substitute the insurance policy of 1 insurer for that of another.  (2) If an instrument requires that a purchaser, mortgagor or borrower furnish insurance of any kind on real property being conveyed or which is collateral security to a loan, the vendor, mortgagee or lender shall refrain from using or disclosing any such information to his own advantage or to the detriment of the purchaser, mortgagor, borrower, insurance company or agency complying with such requirement.   (3) This section shall not be construed as forbidding the vendor or creditor from exercising a reasonable right to approve or disapprove the insurance selected by the debtor for protection of the property securing the credit or lien, but the vendor or creditor shall not disapprove a policy which contains coverages in excess of the basic coverage required by the vendor or creditor.  (4) Nothing in this section shall forbid any insurer from requiring as a condition precedent for the lending of its own funds that the debtor insure his own life for a reasonable amount with such insurer.  (5) Each violation of this section shall be a misdemeanor, punishable by a fine of not more than $100.00. History: 1956, Act 218, Eff. Jan. 1, 1957 ;-- Am. 1961, Act 153, Eff. Sept. 8, 1961 ;-- Am. 1962, Act 89, Eff. Mar. 28, 1963 Popular Name: Act 218
MI Comp L § 500.2078 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-20 - Chapter 20 Unfair and Prohibited Trade Practices and Frauds (500.2001...500.2093)|Section 500.2078 - Agreements as to Placements of Insurance; Regulations.

500.2078 Agreements as to placements of insurance; regulations. Sec. 2078.  Except as contained in the policy and the usual agreement for other insurance, no insurance company, insurer, corporation, partnership, or individual shall make any contract or agreement with any person insured or to be insured that the whole or any part of any insurance which is subject to the provisions of chapter 26 of this code (fire and inland marine rates), shall be placed by any particular corporation, partnership, or individual, or be written by any particular company, insurer, agent or any group of companies, insurers or agents. Any contracts made in contravention of this section, shall be null and void. History: 1956, Act 218, Eff. Jan. 1, 1957 Popular Name: Act 218
MI Comp L § 500.2082 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-20 - Chapter 20 Unfair and Prohibited Trade Practices and Frauds (500.2001...500.2093)|Section 500.2082 - Racial Discrimination by Life Insurers Prohibited; Violation; Penalty.

500.2082 Racial discrimination by life insurers prohibited; violation; penalty. Sec. 2082.  (1) No life insurer doing business in this state shall make any distinction or discrimination between white persons and colored persons, wholly or partially of African descent, as to the premiums or rates charged for policies upon the lives of such persons, or in any other manner whatever; nor shall any such insurer demand or require a greater premium from such colored persons than is at that time required by such insurer from white persons of the same age, sex, general condition of health and prospect of longevity; nor make or require any rebate, diminution or discount upon the amount to be paid on such policy in case of death of such colored person insured; nor insert in the policy any condition, nor make any stipulation whereby such person insured shall bind himself or his heirs, executors, administrators and assigns to accept any sum less than the full amount or value of such policy in case of a claim accruing thereon by reason of the death of such person insured, other than such as are imposed on white persons in similar cases; and any such stipulations or conditions so made or inserted shall be void.   (2) Any insurer which violates any of the provisions of this section shall forfeit to the state the sum of $500.00 for each violation, to be recovered by the attorney general by appropriate action in any court of competent jurisdiction, and any judgment therefor may be collected in the same manner as is herein provided for collecting judgments rendered in favor of policyholders. And any officer or agent who violates any of the provisions of this section shall be deemed guilty of a misdemeanor, and upon conviction thereof shall be punished by imprisonment in the county jail not exceeding 1 year, or by a fine of not less than $50.00, and not exceeding $500.00, or by both such fine and imprisonment, in the discretion of the court. History: 1956, Act 218, Eff. Jan. 1, 1957 Popular Name: Act 218
MI Comp L § 500.2086 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-20 - Chapter 20 Unfair and Prohibited Trade Practices and Frauds (500.2001...500.2093)|Section 500.2086 - False Report by Physician as to Life or Casualty Insurance Applicant; Penalty, Civil Liability to Insurer.

500.2086 False report by physician as to life or casualty insurance applicant; penalty, civil liability to insurer.  Sec. 2086.  Any physician who, as medical examiner for any life or casualty insurer, or as the reference of, or medical examiner for any person seeking insurance therein, shall knowingly make any false statement or report to the insurer, or any officer thereof, concerning the bodily health or condition of any applicant for insurance, or concerning any other matter or thing which might affect the propriety or prudence of granting such insurance, shall be deemed guilty of a misdemeanor, and on conviction thereof, shall be liable to a fine not exceeding $1,000.00, or to imprisonment in the county jail not exceeding 3 months, in the discretion of the court. And such physician shall also be liable to the insurer in an action on the case for the full amount of any insurance obtained from such insurer by means or through the assistance of such false statement or report.  History: 1956, Act 218, Eff. Jan. 1, 1957 Popular Name: Act 218
MI Comp L § 500.2088 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-20 - Chapter 20 Unfair and Prohibited Trade Practices and Frauds (500.2001...500.2093)|Section 500.2088 - False Report by Physician; Claim for Death, Sickness or Disability Benefits, Penalty.

500.2088 False report by physician; claim for death, sickness or disability benefits, penalty. Sec. 2088.  Any agent, collector, physician, insured or other person who shall make, present or cause to be presented to any insurer any false, dishonest or fraudulent certificate or report of death, sickness or disability of any kind or nature, or any false, dishonest or fraudulent claim for any death, sickness or disability benefit, or claim for payment to or against any such insurer, shall be deemed guilty of a misdemeanor, and on conviction thereof, shall be liable to a fine not exceeding $1,000.00, or to imprisonment in the county jail not exceeding 3 months, in the discretion of the court. History: 1956, Act 218, Eff. Jan. 1, 1957 Popular Name: Act 218
MI Comp L § 500.2091 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-20 - Chapter 20 Unfair and Prohibited Trade Practices and Frauds (500.2001...500.2093)|Section 500.2091 - Unlawful Advertising; Notice to Supervisory Official.

500.2091 Unlawful advertising; notice to supervisory official. Sec. 2091.  No unauthorized foreign or alien insurer shall make, issue, circulate or cause to be made, issued or circulated to residents of this state any estimate, illustration, circular, pamphlet or letter, or cause to be made in any newspaper, magazine or other publication, or over any radio or television station, any announcement or statement to such residents misrepresenting its financial condition or the terms of any contracts issued or to be issued or the benefits or advantages promised thereby, or the dividends or share of the surplus to be received thereon in violation of sections 2001 to 2050 of this act, and whenever the commissioner has reason to believe that any such insurer is engaging in unlawful advertising, he shall give notice of such fact by certified mail to the insurer and to the insurance supervisory official of the domiciliary state of the insurer. For the purpose of this section, the domiciliary state of an alien insurer is the state of entry or the state of the principal office in the United States. History: Add. 1961, Act 20, Eff. Sept. 8, 1961 Popular Name: Act 218
MI Comp L § 500.2092 (2021)
2021 Michigan Compiled Laws|Chapter 500 - Insurance Code of 1956|Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)|218-1956-20 - Chapter 20 Unfair and Prohibited Trade Practices and Frauds (500.2001...500.2093)|Section 500.2092 - Unlawful Advertising; Failure to Cease and Desist, Procedure.

500.2092 Unlawful advertising; failure to cease and desist, procedure. Sec. 2092.  If after 30 days following the giving of the notice mentioned in section 2091 the insurer has failed to cease making, issuing or circulating such false misrepresentations or causing the same to be made, issued or circulated in this state, and if the commissioner has reason to believe that a proceeding by him in respect to such matters would be to the interest of the public, and that the insurer is issuing or delivering contracts of insurance to residents of this state or collecting premiums on such contracts or doing any of the acts enumerated in section 2093, he shall take action against the insurer under the provisions of sections 2001 to 2050 of this act. History: Add. 1961, Act 20, Eff. Sept. 8, 1961 Popular Name: Act 218
MI Comp L § 500.2101 (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 500.2101 - Meanings of Words and Phrases.

500.2101 Meanings of words and phrases.  Sec. 2101.  For purposes of this chapter, the words and phrases defined in sections 2102 to 2104 have the meanings ascribed to them in those sections. History: Add. 1979, Act 145, Eff. Jan. 1, 1980 Compiler's Notes: Act 145 of 1979 did not provide a subject-matter heading for Chapter 21.Popular Name: Act 218Popular Name: Essential InsurancePopular Name: No-Fault Insurance
MI Comp L § 500.2102 (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 500.2102 - Definitions; a to D.

500.2102 Definitions; A to D. Sec. 2102.  (1) "Affiliate of", or an insurer "affiliated with" an insurer, means an insurer that directly, or indirectly through 1 or more intermediaries, controls, or is controlled by, or is under common control with the insurer specified.  (2) "Automobile insurance" means insurance for private passenger nonfleet automobiles which provides any of the following:  (a) Security required pursuant to section 3101.  (b) Personal protection, property protection, and residual liability insurance for amounts in excess of the amounts required under chapter 31.  (c) Insurance coverages customarily known as comprehensive and collision.  (d) Other insurance coverages for a private passenger nonfleet automobile as prescribed by rule promulgated by the commissioner pursuant to Act No. 306 of the Public Acts of 1969, as amended, being sections 24.201 to 24.315 of the Michigan Compiled Laws. A rule proposed for promulgation by the commissioner pursuant to this section shall be transmitted in advance to each member of the standing committee in the house and in the senate which has jurisdiction over insurance.  (3) "Automobile insurance package policy" means a policy which includes more than 1 of the automobile insurance coverages described in section 2102(2)(a), (b), (c), or (d), in any combination.  (4) "Declination" means any of the following:  (a) Refusal by an agent to submit an application on behalf of an applicant to any of the insurers represented by the agent.  (b) Refusal by an insurer to issue insurance to a person upon receipt of an application for insurance.  (c) Offering insurance at higher rates with a different insurer than that requested by a person.  (d) Offering coverage with less favorable terms or conditions than those requested by a person. History: Add. 1979, Act 145, Eff. Jan. 1, 1980 Popular Name: Act 218Popular Name: Essential InsurancePopular Name: No-Fault Insurance
MI Comp L § 500.2104 (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 500.2104 - Definitions; P to U.

500.2104 Definitions; P to U. Sec. 2104.  (1) "Private passenger nonfleet automobile" means a motorized land vehicle designed for transporting passengers or goods, subject to specific contemporary definitions for insurance purposes pursuant to section 3303.  (2) "Repair cost policy" means a home insurance policy for which the amount of coverage under the policy is based substantially on the market value of the property, and which provides for payment for repair, rebuilding, or replacement of losses or damages to real property with materials of like kind and quality, without depreciation, pursuant to section 2826, or with conventional materials and construction methods, pursuant to the standards of section 2827.  (3) "Replacement cost policy" means a home insurance policy for which the amount of coverage under the policy is based substantially on the replacement cost of the property, which provides for settlement of losses to real property pursuant to the standards prescribed in section 2826.  (4) "Substantially at-fault" means a person's action or inaction was more than 50% of the cause of an accident.  (5) "Termination" means a refusal to continue to insure, for reasons other than nonpayment of premium, and includes both of the following:  (a) The transfer of coverage for an insured between affiliated insurers, when the transfer results in higher rates or less coverage, unless the transfer was requested by the insured.   (b) The offering of coverage with less favorable terms or conditions than those previously provided, unless so requested by the insured, or unless the terms or conditions of coverage previously provided are no longer available from the insurer anywhere in this state.  (6) "Underwriting rules" means the written statements, guidelines, or criteria of an insurer, phrased in terms understandable to a person of ordinary intelligence, which describe the standards under which the insurer issues, refuses to issue, renews, refuses to renew, or limits coverage for automobile insurance or home insurance to persons within this state. History: Add. 1979, Act 145, Eff. Jan. 1, 1980 ;-- Am. 1980, Act 461, Imd. Eff. Jan. 15, 1981 Popular Name: Act 218Popular Name: Essential InsurancePopular Name: No-Fault Insurance
MI Comp L § 500.2105 (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 500.2105 - Automobile Insurance or Home Insurance to Conform With Chapter; Exceptions; Group Plan Requirements; Group Discounts; Applicability to Certain Insurers; Effective Date.

500.2105 Automobile insurance or home insurance to conform with chapter; exceptions; group plan requirements; group discounts; applicability to certain insurers; effective date.Sec. 2105.  (1) A policy of automobile insurance or home insurance must not be offered, bound, made, issued, delivered or renewed in this state unless the policy conforms to this chapter.   (2) Except as otherwise expressly provided in subsection (4) and this chapter, this chapter does not apply to insurance written on a group, franchise, blanket policy, or similar basis that offers home insurance or automobile insurance to all members of the group, franchise plan, or blanket coverage who are eligible persons.  (3) For purposes of this section, a group plan includes a franchise plan, and, except as provided in subsection (4), is exempt from this chapter if the group meets all of the following criteria:  (a) Individuals in the group share a common enterprise or an economic or social affinity or relationship.  (b) The group was not created for the purposes of obtaining insurance.  (c) Membership in the group is not conditioned on the purchase of insurance.  (d) The individual members of the group can be specifically identified.  (e) Any other criteria as prescribed by a rule promulgated by the director under the administrative procedures act of 1969, 1969 PA 306, MCL 24.201 to 24.328.  (4) An insurer, including, but not limited to, an insurer that writes insurance as described in subsection (2), shall not establish or maintain rates or rating classifications for automobile insurance based on a factor that is not allowed, or that is prohibited, under section 2111. This subsection does not prohibit a group discount offered to a group based on the losses or expenses, or both, of the group but does prohibit group membership based on home ownership or postal zone.  (5) The amendments to this chapter made by the amendatory act that added this subsection apply to an insurer exempted from any of the requirements of this chapter under section 2129.  (6) The amendments to this chapter made by the amendatory act that added this subsection apply beginning July 1, 2020. History: Add. 1979, Act 145, Eff. Jan. 1, 1980 ;-- Am. 2019, Act 21, Imd. Eff. June 11, 2019 Popular Name: Act 218Popular Name: Essential InsurancePopular Name: No-Fault Insurance
MI Comp L § 500.2106 (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 500.2106 - Applicability of Chapters 24 and 26; File, Approval, and Use of Rates; Inconsistent Provisions.

500.2106 Applicability of chapters 24 and 26; file, approval, and use of rates; inconsistent provisions.Sec. 2106.  (1) Except as specifically provided in this chapter, chapter 24 and chapter 26 do not apply to automobile insurance and home insurance.  (2) Subject to section 2108(6), an insurer shall file rates with the department for approval in compliance with this act.  (3) An insurer may use rates for home insurance as soon as those rates are filed.  (4) To the extent that other provisions of this act are inconsistent with this chapter, this chapter governs with respect to automobile insurance and home insurance. History: Add. 1979, Act 145, Eff. Jan. 1, 1981 ;-- Am. 2019, Act 21, Imd. Eff. June 11, 2019 Popular Name: Act 218Popular Name: Essential InsurancePopular Name: No-Fault Insurance
MI Comp L § 500.2107 (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 500.2107 - Filings; Review; Disputes; Approval; Order of Disapproval; Revised Filing.

500.2107 Filings; review; disputes; approval; order of disapproval; revised filing. Sec. 2107.  (1) On or before September 1, 1980, each insurer subject to this chapter shall make filings in accordance with this chapter for automobile insurance, home insurance, or both, to be effective not later than January 1, 1981 nor earlier than November 1, 1980.  (2) With regard to a filing submitted under subsection (1), the commissioner shall conduct a review of the filing on an informal basis, and a dispute with regard to that filing shall not be considered a contested case under Act No. 306 of the Public Acts of 1969, as amended. A filing not disapproved within 60 days after its submission shall be considered approved.   (3) A filing approved or considered approved under subsection (2) shall be exempt from any further proceedings whatsoever under this chapter until July 1, 1981.   (4) If a filing is disapproved under subsection (2), the insurer, within 30 days of the order of disapproval, shall make a revised filing with the commissioner. The revised filing shall take effect on January 1, 1981 and shall be subject to review under this chapter on or after January 1, 1981 in the same manner as subsequent filings made under this chapter. History: Add. 1979, Act 145, Eff. Jan. 1, 1980 Popular Name: Act 218Popular Name: Essential InsurancePopular Name: No-Fault Insurance