reglab/statecodes huggingface dataset:
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-30 - Chapter 30 Casualty Insurance Contracts (500.3004...500.3037) › Section 500.3004 - Liability Insurance Policies; Contents Required.

500.3004 Liability insurance policies; contents required.
Sec. 3004.
No policy of insurance against loss or damage resulting from accident to or injury suffered by an employee or other person and for which the person insured is liable, or against loss or damage to property caused by draft animals or by any vehicle drawn, propelled or operated by any motive power, and for which loss or damage the person insured is liable, shall be issued or delivered in this state by any insurer authorized to do business in this state, unless there shall be contained within such policy the provisions required under sections 3006 and 3008.
History:
1956, Act 218, Eff. Jan. 1, 1957
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-30 - Chapter 30 Casualty Insurance Contracts (500.3004...500.3037) › Section 500.3006 - Liability Insurance Policies; Insolvency or Bankruptcy of Insured.

500.3006 Liability insurance policies; insolvency or bankruptcy of insured.
Sec. 3006.
In such liability insurance policies there shall be a provision that the insolvency or bankruptcy of the person insured shall not release the insurer from the payment of damages for injury sustained or loss occasioned during the life of such policy, and stating that in case execution against the insured is returned unsatisfied in an action brought by the injured person, or his or her personal representative in case death results from the accident, because of such insolvency or bankruptcy, then an action in the nature of a writ of garnishment may be maintained by the injured person, or his or her personal representative, against such insurer under the terms of the policy for the amount of the judgment in the said action not exceeding the amount of the policy.
History:
1956, Act 218, Eff. Jan. 1, 1957
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-30 - Chapter 30 Casualty Insurance Contracts (500.3004...500.3037) › Section 500.3008 - Liability Insurance Policies; Notice to Insurer.

500.3008 Liability insurance policies; notice to insurer.
Sec. 3008.
In such liability insurance policies there shall be a provision that notice given by or on behalf of the insured to any authorized agent of the insurer within this state, with particulars sufficient to identify the insured shall be deemed to be notice to the insurer; and also a provision that failure to give any notice required to be given by such policy within the time specified therein shall not invalidate any claim made by the insured if it shall be shown not to have been reasonably possible to give such notice within the prescribed time and that notice was given as soon as was reasonably possible.
History:
1956, Act 218, Eff. Jan. 1, 1957
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-30 - Chapter 30 Casualty Insurance Contracts (500.3004...500.3037) › Section 500.3012 - Liability Insurance Policy; Noncomplying Forms, Defenses of Insurer.

500.3012 Liability insurance policy; noncomplying forms, defenses of insurer.
Sec. 3012.
Such a liability insurance policy issued in violation of sections 3004 through 3012 shall, nevertheless, be held valid but be deemed to include the provisions required by such sections, and when any provision in such policy or rider is in conflict with the provisions required to be contained by such sections, the rights, duties and obligations of the insured, the policyholder and the injured person shall be governed by the provisions of such sections: Provided, however, That the insurer shall have all the defenses in any action brought under the provisions of such sections that it originally had against its insured under the terms of the policy providing the policy is not in conflict with the provisions of such sections.
History:
1956, Act 218, Eff. Jan. 1, 1957
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-30 - Chapter 30 Casualty Insurance Contracts (500.3004...500.3037) › Section 500.3015 - Repealed. 1991, Act 191, Eff. Apr. 1, 1992.

500.3015 Repealed. 1991, Act 191, Eff. Apr. 1, 1992.
Compiler's Notes:
The repealed section pertained to automobile theft coverage.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-30 - Chapter 30 Casualty Insurance Contracts (500.3004...500.3037) › Section 500.3021 - Liability Insurance Policy; Prohibits Age Discrimination, Conditions.

500.3021 Liability insurance policy; prohibits age discrimination, conditions.
Sec. 3021.
No policy including any class of motor vehicle coverage shall be cancelled by the insurer, nor shall the insurer refuse to issue a renewal policy, nor shall the premium for any such policy be increased solely because an insured has reached the age of 65 years, if the insured still has a valid Michigan motor vehicle operator's license.
History:
Add. 1965, Act 231, Imd. Eff. July 19, 1965
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-30 - Chapter 30 Casualty Insurance Contracts (500.3004...500.3037) › Section 500.3030 - Insurer Not to Be Made or Joined as Party Defendant; Reference to Insurer or Insurance During Trial.

500.3030 Insurer not to be made or joined as party defendant; reference to insurer or insurance during trial.
Sec. 3030.
In the original action brought by the injured person, or his or her personal representative in case death results from the accident, as mentioned in section 3006, the insurer shall not be made or joined as a party defendant, nor, except as otherwise provided by law, shall any reference whatever be made to such insurer or to the question of carrying of such insurance during the course of trial.
History:
1956, Act 218, Eff. Jan. 1, 1957 ;-- Am. 1986, Act 173, Imd. Eff. July 7, 1986
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-30 - Chapter 30 Casualty Insurance Contracts (500.3004...500.3037) › Section 500.3032 - Court Action; Application of "Restatement of the Law, Liability Insurance" Prohibited.

500.3032 Court action; application of "Restatement of the Law, Liability Insurance" prohibited.
Sec. 3032.
In an action brought in a court in this state, the court shall not apply a principle from the American Law Institute's "Restatement of the Law, Liability Insurance" in ruling on an issue in the case unless the principle is clearly expressed in a statute of this state, the common law, or case law precedent of this state.
History:
Add. 2018, Act 520, Eff. Jan. 1, 2020
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-30 - Chapter 30 Casualty Insurance Contracts (500.3004...500.3037) › Section 500.3036 - Liability Policy in Lieu of Bond on Appeal; Recognizance for Costs; Deposit of Policy or Bond; Admission of Liability; Agreement to Pay Judgment; Judgment in Excess of Coverage; Stay of Execution Upon Filing Bond for Difference.

500.3036 Liability policy in lieu of bond on appeal; recognizance for costs; deposit of policy or bond; admission of liability; agreement to pay judgment; judgment in excess of coverage; stay of execution upon filing bond for difference.
Sec. 3036.
When an appeal is taken from a judgment in a case where it appears to the court that all or a part of the particular liability of the appellant is insured against by a surety company or insurance carrier authorized to do business in this state, and the court is satisfied of the coverage of the policy or suretyship, the court shall not require the appellant to provide an appeal bond or bond to stay execution pending an appeal up to the amount of the coverage of the policy or suretyship. The insurance carrier or surety company may be required by the court and is given authority to execute its written recognizance to the opposite party or parties for the payment of the taxable costs of the appeal. The surety company or insurance carrier shall deposit with the court a copy of the insurance policy or bond and shall admit its liability thereunder, and agree to pay a judgment against its insured, if any, as shall be affirmed by the appellate court, but not exceeding the amount of the liability under the policy or bond; and the court having jurisdiction thereof, on its own motion, may enter judgment against the surety company or carrier without further proceedings. If the amount of judgment exceeds the amount of coverage of the policy or suretyship, the court shall grant a stay of execution upon the filing of a bond by the appellant for the difference.
History:
1956, Act 218, Eff. Jan. 1, 1957 ;-- Am. 1975, Act 290, Imd. Eff. Dec. 10, 1975
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-30A - Chapter 30a (500.3051...500.3062) › Section 500.3051-500.3062 - Repealed. 1993, Act 349, Imd. Eff. Jan. 10, 1994;—1993, Act 349, Eff. Oct. 1, 1995.

500.3051-500.3062 Repealed. 1993, Act 349, Imd. Eff. Jan. 10, 1994;—1993, Act 349, Eff. Oct. 1, 1995.
Compiler's Notes:
The repealed sections pertained to the offering of professional liability insurance to health care providers or hospitals and arbitration procedures.
Popular Name:
Act 218
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-31 - Chapter 31 Motor Vehicle Personal and Property Protection (500.3101...500.3179) › Section 500.3101b - Repealed. 2011, Act 91, Imd. Eff. July 15, 2011.

500.3101b Repealed. 2011, Act 91, Imd. Eff. July 15, 2011.
Compiler's Notes:
The repealed section pertained to providing proof of vehicle insurance through insurance verification board.
Popular Name:
Act 218
Popular Name:
Essential Insurance
Popular Name:
No-Fault Insurance
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-31 - Chapter 31 Motor Vehicle Personal and Property Protection (500.3101...500.3179) › Section 500.3101c - Standard Certified Statement.

500.3101c Standard certified statement.
Sec. 3101c.
The commissioner shall prescribe a standard certified statement that automobile insurers shall use to show pursuant to section 227a(1)(a) of the Michigan vehicle code, Act No. 300 of the Public Acts of 1949, being section 257.227a of the Michigan Compiled Laws, that a vehicle is insured under a 6-month prepaid, noncancelable policy.
History:
Add. 1995, Act 288, Imd. Eff. Jan. 9, 1996
Popular Name:
Act 218
Popular Name:
Essential Insurance
Popular Name:
No-Fault Insurance
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-31 - Chapter 31 Motor Vehicle Personal and Property Protection (500.3101...500.3179) › Section 500.3101d - Qualification as Self-Insurer; Certificate; Issuance; Cancellation.

500.3101d Qualification as self-insurer; certificate; issuance; cancellation.
Sec. 3101d.
(1) A person in whose name more than 25 motor vehicles are registered may qualify as a self-insurer by obtaining a certificate of self-insurance issued by the commissioner under subsection (2).
(2) The commissioner may, in his or her discretion, on the application of a person who wishes to qualify under subsection (1), issue a certificate of self-insurance to the person if the commissioner is satisfied that the person has and will continue to have the ability to pay judgments obtained against the person.
(3) On not less than 5 days' notice and a hearing in accordance with the notice, the commissioner may on reasonable grounds cancel a certificate of self-insurance issued under this section. Failure to pay a judgment within 30 days after the judgment becomes final is a reasonable ground for the cancellation of a certificate of self-insurance.
History:
Add. 2012, Act 204, Eff. Jan. 1, 2013
Popular Name:
Act 218
Popular Name:
Essential Insurance
Popular Name:
No-Fault Insurance
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-31 - Chapter 31 Motor Vehicle Personal and Property Protection (500.3101...500.3179) › Section 500.3102 - Nonresident Owner or Registrant of Motor Vehicle or Motorcycle to Maintain Security for Payment of Benefits; Operation of Motor Vehicle or Motorcycle by Owner, Registrant, or Other Person Without Security; Penalty; Failure to Produce Evidence of Security; Rebuttable Presumption.

500.3102 Nonresident owner or registrant of motor vehicle or motorcycle to maintain security for payment of benefits; operation of motor vehicle or motorcycle by owner, registrant, or other person without security; penalty; failure to produce evidence of security; rebuttable presumption.
Sec. 3102.
(1) A nonresident owner or registrant of a motor vehicle or motorcycle not registered in this state shall not operate or permit the motor vehicle or motorcycle to be operated in this state for an aggregate of more than 30 days in any calendar year unless he or she continuously maintains security for the payment of benefits pursuant to this chapter.
(2) An owner or registrant of a motor vehicle or motorcycle with respect to which security is required, who operates the motor vehicle or motorcycle or permits it to be operated upon a public highway in this state, without having in full force and effect security complying with this section or section 3101 or 3103 is guilty of a misdemeanor. A person who operates a motor vehicle or motorcycle upon a public highway in this state with the knowledge that the owner or registrant does not have security in full force and effect is guilty of a misdemeanor. A person convicted of a misdemeanor under this section shall be fined not less than $200.00 nor more than $500.00, imprisoned for not more than 1 year, or both.
(3) The failure of a person to produce evidence that a motor vehicle or motorcycle has in full force and effect security complying with this section or section 3101 or 3103 on the date of the issuance of the citation, creates a rebuttable presumption in a prosecution under subsection (2) that the motor vehicle or motorcycle did not have in full force and effect security complying with this section or section 3101 or 3103 on the date of the issuance of the citation.
History:
Add. 1972, Act 294, Eff. Mar. 30, 1973 ;-- Am. 1975, Act 329, Eff. Mar. 31, 1976 ;-- Am. 1979, Act 145, Imd. Eff. Nov. 13, 1979 ;-- Am. 1980, Act 446, Imd. Eff. Jan. 15, 1981 ;-- Am. 1987, Act 187, Eff. Mar. 30, 1988 ;-- Am. 1990, Act 79, Imd. Eff. May 24, 1990
Popular Name:
Act 218
Popular Name:
Essential Insurance
Popular Name:
No-Fault Insurance
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-31 - Chapter 31 Motor Vehicle Personal and Property Protection (500.3101...500.3179) › Section 500.3103 - Owner or Registrant of Motorcycle; Security Required; Offering Security for Payment of First-Party Medical Benefits; Rates, Deductibles, and Provisions.

500.3103 Owner or registrant of motorcycle; security required; offering security for payment of first-party medical benefits; rates, deductibles, and provisions.
Sec. 3103.
(1) An owner or registrant of a motorcycle shall provide security against loss resulting from liability imposed by law for property damage, bodily injury, or death suffered by a person arising out of the ownership, maintenance, or use of that motorcycle. The security shall conform with the requirements of section 3009(1).
(2) Each insurer transacting insurance in this state which affords coverage for a motorcycle as described in subsection (1) also shall offer, to an owner or registrant of a motorcycle, security for the payment of first-party medical benefits only, in increments of $5,000.00, payable in the event the owner or registrant is involved in a motorcycle accident. An insurer providing first-party medical benefits may offer, at appropriate premium rates, deductibles, provisions for the coordination of these benefits, and provisions for the subtraction of other benefits provided or required to be provided under the laws of any state or the federal government, subject to the prior approval of the commissioner. These deductibles and provisions shall apply only to benefits payable to the person named in the policy, the spouse of the insured, and any relative of either domiciled in the same household.
History:
Add. 1975, Act 329, Eff. Mar. 31, 1976 ;-- Am. 1977, Act 54, Imd. Eff. July 6, 1977 ;-- Am. 1980, Act 445, Eff. Jan. 15, 1981 ;-- Am. 1986, Act 173, Imd. Eff. July 7, 1986
Constitutionality:
The legislative scheme which allows motorcyclists to receive no-fault benefits for personal injuries without requiring them to maintain no-fault security does not deny automobile drivers equal protection or due process of law. Underhill v Safeco Insurance Company, 407 Mich 175; 284 NW2d 463 (1979).
Popular Name:
Act 218
Popular Name:
Essential Insurance
Popular Name:
No-Fault Insurance
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-31 - Chapter 31 Motor Vehicle Personal and Property Protection (500.3101...500.3179) › Section 500.3105 - Insurer Liable for Personal Protection Benefits Without Regard to Fault; “Bodily Injury” and “Accidental Bodily Injury” Defined.

500.3105 Insurer liable for personal protection benefits without regard to fault; “bodily injury” and “accidental bodily injury” defined.
Sec. 3105.
(1) Under personal protection insurance an insurer is liable to pay benefits for accidental bodily injury arising out of the ownership, operation, maintenance or use of a motor vehicle as a motor vehicle, subject to the provisions of this chapter.
(2) Personal protection insurance benefits are due under this chapter without regard to fault.
(3) Bodily injury includes death resulting therefrom and damage to or loss of a person's prosthetic devices in connection with the injury.
(4) Bodily injury is accidental as to a person claiming personal protection insurance benefits unless suffered intentionally by the injured person or caused intentionally by the claimant. Even though a person knows that bodily injury is substantially certain to be caused by his act or omission, he does not cause or suffer injury intentionally if he acts or refrains from acting for the purpose of averting injury to property or to any person including himself.
History:
Add. 1972, Act 294, Eff. Mar. 30, 1973
Popular Name:
Act 218
Popular Name:
Essential Insurance
Popular Name:
No-Fault Insurance
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-31 - Chapter 31 Motor Vehicle Personal and Property Protection (500.3101...500.3179) › Section 500.3106 - Accidental Bodily Injury Arising Out of Ownership, Operation, Maintenance, or Use of Parked Vehicle as Motor Vehicle; Conditions.

500.3106 Accidental bodily injury arising out of ownership, operation, maintenance, or use of parked vehicle as motor vehicle; conditions.
Sec. 3106.
(1) Accidental bodily injury does not arise out of the ownership, operation, maintenance, or use of a parked vehicle as a motor vehicle unless any of the following occur:
(a) The vehicle was parked in such a way as to cause unreasonable risk of the bodily injury which occurred.
(b) Except as provided in subsection (2), the injury was a direct result of physical contact with equipment permanently mounted on the vehicle, while the equipment was being operated or used, or property being lifted onto or lowered from the vehicle in the loading or unloading process.
(c) Except as provided in subsection (2), the injury was sustained by a person while occupying, entering into, or alighting from the vehicle.
(2) Accidental bodily injury does not arise out of the ownership, operation, maintenance, or use of a parked vehicle as a motor vehicle if benefits under the worker's disability compensation act of 1969, Act No. 317 of the Public Acts of 1969, as amended, being sections 418.101 to 418.941 of the Michigan Compiled Laws, or under a similar law of another state or under a similar federal law, are available to an employee who sustains the injury in the course of his or her employment while doing either of the following:
(a) Loading, unloading, or doing mechanical work on a vehicle unless the injury arose from the use or operation of another vehicle. As used in this subdivision, "another vehicle" does not include a motor vehicle being loaded on, unloaded from, or secured to, as cargo or freight, a motor vehicle.
(b) Entering into or alighting from the vehicle unless the injury was sustained while entering into or alighting from the vehicle immediately after the vehicle became disabled. This subdivision shall not apply if the injury arose from the use or operation of another vehicle. As used in this subdivision, "another vehicle" does not include a motor vehicle being loaded on, unloaded from or secured to, as cargo or freight, a motor vehicle.
History:
Add. 1972, Act 294, Eff. Mar. 30, 1973 ;-- Am. 1981, Act 209, Eff. Jan. 1, 1982 ;-- Am. 1986, Act 318, Eff. June 1, 1987
Compiler's Notes:
Section 2 of Act 209 of 1981 provides: “This amendatory act shall take effect January 1, 1982 and shall be applicable to all causes of action which occur after the effective date of this amendatory act.”
Popular Name:
Act 218
Popular Name:
Essential Insurance
Popular Name:
No-Fault Insurance
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-31 - Chapter 31 Motor Vehicle Personal and Property Protection (500.3101...500.3179) › Section 500.3107a - Basis of Work Loss for Certain Injured Persons.

500.3107a Basis of work loss for certain injured persons.
Sec. 3107a.
Subject to the provisions of section 3107(1)(b), work loss for an injured person who is temporarily unemployed at the time of the accident or during the period of disability shall be based on earned income for the last month employed full time preceding the accident.
History:
Add. 1975, Act 311, Imd. Eff. Dec. 22, 1975 ;-- Am. 1991, Act 191, Eff. Jan. 1, 1992
Popular Name:
Act 218
Popular Name:
Essential Insurance
Popular Name:
No-Fault Insurance
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-31 - Chapter 31 Motor Vehicle Personal and Property Protection (500.3101...500.3179) › Section 500.3107b - Reimbursement or Coverage for Certain Expenses Not Required.

500.3107b Reimbursement or coverage for certain expenses not required.
Sec. 3107b.
Reimbursement or coverage for expenses within personal protection insurance coverage under section 3107 is not required for any of the following:
(a) A practice of optometry service, unless that service was included in the definition of practice of optometry under section 17401 of the public health code, 1978 PA 368, MCL 333.17401, as of May 20, 1992.
(b) A practice of chiropractic service rendered before July 2, 2021, unless that service was included in the definition of practice of chiropractic under section 16401 of the public health code, 1978 PA 368, MCL 333.16401, as of January 1, 2009.
(c) A practice of physical therapy service or practice as a physical therapist assistant service, unless that service was provided by a licensed physical therapist or physical therapist assistant under the supervision of a licensed physical therapist under a prescription from a health care professional who holds a license issued under part 166, 170, 175, or 180 of the public health code, 1978 PA 368, MCL 333.16601 to 333.16659, 333.17001 to 333.17097, 333.17501 to 333.17556, and 333.18001 to 333.18058, or the equivalent license issued by another state.
History:
Add. 1994, Act 438, Eff. Mar. 30, 1995 ;-- Am. 2009, Act 222, Imd. Eff. Jan. 5, 2010 ;-- Am. 2014, Act 263, Imd. Eff. July 1, 2014 ;-- Am. 2020, Act 104, Imd. Eff. July 1, 2020
Compiler's Notes:
Senate Bill No. 493 was not enacted into law by the 87th Legislature.
Popular Name:
Act 218
Popular Name:
Essential Insurance
Popular Name:
No-Fault Insurance
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-31 - Chapter 31 Motor Vehicle Personal and Property Protection (500.3101...500.3179) › Section 500.3107e - Delivery of Forms Under MCL 500.3009, 500.3107c, 500.3107d; Method of Selection or Election for Forms.

500.3107e Delivery of forms under MCL 500.3009, 500.3107c, 500.3107d; method of selection or election for forms.
Sec. 3107e.
(1) A form under section 3009, 3107c, or 3107d must be delivered to the applicant or named insured using 1 of the following methods:
(a) Personal delivery.
(b) First-class mail, postage prepaid.
(c) Electronic means in accordance with section 2266.
(2) A person must make a selection under section 3009 or 3107c, or an election under section 3107d in 1 of the following ways:
(a) Marking and signing a paper form.
(b) Giving verbal instructions, in person or telephonically, that the form be marked and signed on behalf of the person. To be an effective selection or election, the verbal instructions must be recorded and the recording maintained by the person to whom the instructions were given. If there is a dispute over the effectiveness of a selection or election under this subdivision, there is a presumption that the selection or election was not effective and the insurer has the burden of rebutting the presumption with the recording.
(c) Electronically marking the form and providing an electronic signature as provided in the uniform electronic transactions act, 2000 PA 305, MCL 450.831 to 450.849.
History:
Add. 2019, Act 21, Imd. Eff. June 11, 2019
Popular Name:
Act 218
Popular Name:
Essential Insurance
Popular Name:
No-Fault Insurance
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-31 - Chapter 31 Motor Vehicle Personal and Property Protection (500.3101...500.3179) › Section 500.3108 - Survivor's Loss; Benefits.

500.3108 Survivor's loss; benefits.
Sec. 3108.
(1) Except as provided in subsection (2), personal protection insurance benefits are payable for a survivor's loss which consists of a loss, after the date on which the deceased died, of contributions of tangible things of economic value, not including services, that dependents of the deceased at the time of the deceased's death would have received for support during their dependency from the deceased if the deceased had not suffered the accidental bodily injury causing death and expenses, not exceeding $20.00 per day, reasonably incurred by these dependents during their dependency and after the date on which the deceased died in obtaining ordinary and necessary services in lieu of those that the deceased would have performed for their benefit if the deceased had not suffered the injury causing death. Except as provided in section (2) the benefits payable for a survivors' loss in connection with the death of a person in a single 30-day period shall not exceed $1,000.00 for accidents occurring before October 1, 1978, and shall not exceed $1,475.00 for accidents occurring on or after October 1, 1978, and is not payable beyond the first three years after the date of the accident.
(2) The maximum payable shall be adjusted annually to reflect changes in the cost of living under rules prescribed by the commissioner. A change in the maximum shall apply only to benefits arising out of accidents occurring subsequent to the date of change in the maximum. The maximum shall apply to the aggregate benefits for all survivors payable under this section on account of the death of any one person.
History:
Add. 1972, Act 294, Eff. Mar. 30, 1973 ;-- Am. 1978, Act 459, Imd. Eff. Oct. 16, 1978
Constitutionality:
The legislature did not violate constitutional due process or equal protection in providing for cost-of-living increases for no-fault insurance work loss benefits under MCL 500.3107(b), but not for no-fault insurance survivors' loss benefits under this section. Davey v Detroit Automobile Inter-Insurance Exchange, 414 Mich 1; 322 NW2d 541 (1982).
Popular Name:
Act 218
Popular Name:
Essential Insurance
Popular Name:
No-Fault Insurance
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-31 - Chapter 31 Motor Vehicle Personal and Property Protection (500.3101...500.3179) › Section 500.3109 - Subtraction of Other Benefits From Personal Protection Benefits; Injured Person Defined; Deductible Provision.

500.3109 Subtraction of other benefits from personal protection benefits; injured person defined; deductible provision.
Sec. 3109.
(1) Benefits provided or required to be provided under the laws of any state or the federal government shall be subtracted from the personal protection insurance benefits otherwise payable for the injury under this chapter.
(2) An injured person is a natural person suffering accidental bodily injury.
(3) An insurer providing personal protection insurance benefits under this chapter may offer, at appropriately reduced premium rates, a deductible of a specified dollar amount. This deductible may be applicable to all or any specified types of personal protection insurance benefits, but shall apply only to benefits payable to the person named in the policy, his or her spouse, and any relative of either domiciled in the same household.
History:
Add. 1972, Act 294, Eff. Mar. 30, 1973 ;-- Am. 2012, Act 454, Imd. Eff. Dec. 27, 2012
Constitutionality:
In O'Donnel v State Farm Mutual Automobile Insurance Company, 404 Mich 524; 273 NW2d 829 (1979), the Michigan supreme court held that MCL 500.3109(1) does not violate the due process clause or the equal protection clause of the state or federal constitutions.In Underhill v Safeco Insurance Company, 407 Mich 175; 284 NW2d 463 (1979), the Michigan supreme court held that subsection (3) of this section authorizing the commissioner to approve deductibles was not an unconstitutional delegation of authority.The Michigan supreme court in Mathis v Interstate Motor Freight System, 408 Mich 164; 289 NW2d 708 (1980), held that MCL 500.3109(1) as applied to workers' compensation benefits is sustainable under the equal protection clause of the Michigan constitution.
Popular Name:
Act 218
Popular Name:
Essential Insurance
Popular Name:
No-Fault Insurance
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-31 - Chapter 31 Motor Vehicle Personal and Property Protection (500.3101...500.3179) › Section 500.3110 - Dependents of Deceased Person; Termination of Dependency; Accrual of Personal Protection Benefits.

500.3110 Dependents of deceased person; termination of dependency; accrual of personal protection benefits.
Sec. 3110.
(1) The following persons are conclusively presumed to be dependents of a deceased person:
(a) A wife is dependent on a husband with whom she lives at the time of his death.
(b) A husband is dependent on a wife with whom he lives at the time of her death.
(c) A child while under the age of 18 years, or over that age but physically or mentally incapacitated from earning, is dependent on the parent with whom he lives or from whom he receives support regularly at the time of the death of the parent.
(2) In all other cases, questions of dependency and the extent of dependency shall be determined in accordance with the facts as they exist at the time of death.
(3) The dependency of a surviving spouse terminates upon death or remarriage. The dependency of any other person terminates upon the death of the person and continues only so long as the person is under the age of 18 years, physically or mentally incapacitated from earning, or engaged full time in a formal program of academic or vocational education or training.
(4) Personal protection insurance benefits payable for accidental bodily injury accrue not when the injury occurs but as the allowable expense, work loss or survivors' loss is incurred.
History:
Add. 1972, Act 294, Eff. Mar. 30, 1973
Popular Name:
Act 218
Popular Name:
Essential Insurance
Popular Name:
No-Fault Insurance
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-31 - Chapter 31 Motor Vehicle Personal and Property Protection (500.3101...500.3179) › Section 500.3111 - Payment of Personal Protection Insurance Benefits for Accident Occurring Out of State.

500.3111 Payment of personal protection insurance benefits for accident occurring out of state.
Sec. 3111.
Personal protection insurance benefits are payable for accidental bodily injury suffered in an accident occurring out of this state, if the accident occurs within the United States, its territories and possessions, or Canada, and the person whose injury is the basis of the claim was at the time of the accident a named insured under a personal protection insurance policy, the spouse of a named insured, a relative of either domiciled in the same household, or an occupant of a vehicle involved in the accident, if the occupant was a resident of this state or if the owner or registrant of the vehicle was insured under a personal protection insurance policy or provided security approved by the secretary of state under section 3101(5).
History:
Add. 1972, Act 294, Eff. Mar. 30, 1973 ;-- Am. 2019, Act 21, Imd. Eff. June 11, 2019 ;-- Am. 2019, Act 22, Imd. Eff. June 11, 2019
Popular Name:
Act 218
Popular Name:
Essential Insurance
Popular Name:
No-Fault Insurance
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-31 - Chapter 31 Motor Vehicle Personal and Property Protection (500.3101...500.3179) › Section 500.3112 - Persons to Whom Personal Protection Insurance Benefits Payable; Claim to Recover Overdue Benefits; Discharge of Insurer's Liability.

500.3112 Persons to whom personal protection insurance benefits payable; claim to recover overdue benefits; discharge of insurer's liability.
Sec. 3112.
Personal protection insurance benefits are payable to or for the benefit of an injured person or, in case of his or her death, to or for the benefit of his or her dependents. A health care provider listed in section 3157 may make a claim and assert a direct cause of action against an insurer, or under the assigned claims plan under sections 3171 to 3175, to recover overdue benefits payable for charges for products, services, or accommodations provided to an injured person. Payment by an insurer in good faith of personal protection insurance benefits, to or for the benefit of a person who it believes is entitled to the benefits, discharges the insurer's liability to the extent of the payments unless the insurer has been notified in writing of the claim of some other person. If there is doubt about the proper person to receive the benefits or the proper apportionment among the persons entitled to the benefits, the insurer, the claimant, or any other interested person may apply to the circuit court for an appropriate order. The court may designate the payees and make an equitable apportionment, taking into account the relationship of the payees to the injured person and other factors as the court considers appropriate. In the absence of a court order directing otherwise the insurer may pay:
(a) To the dependents of the injured person, the personal protection insurance benefits accrued before his or her death without appointment of an administrator or executor.
(b) To the surviving spouse, the personal protection insurance benefits due any dependent children living with the spouse.
History:
Add. 1972, Act 294, Eff. Mar. 30, 1973 ;-- Am. 2019, Act 21, Imd. Eff. June 11, 2019
Compiler's Notes:
Enacting section 1 of Act 21 of 2019 provides:"Enacting section 1. Section 3112 of the insurance code of 1956, 1956 PA 218, MCL 500.3112, as amended by this amendatory act, applies to products, services, or accommodations provided after the effective date of this amendatory act."
Popular Name:
Act 218
Popular Name:
Essential Insurance
Popular Name:
No-Fault Insurance
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-31 - Chapter 31 Motor Vehicle Personal and Property Protection (500.3101...500.3179) › Section 500.3113 - Person Not Entitled to Personal Protection Insurance Benefits.

500.3113 Person not entitled to personal protection insurance benefits.
Sec. 3113.
A person is not entitled to be paid personal protection insurance benefits for accidental bodily injury if at the time of the accident any of the following circumstances existed:
(a) The person was willingly operating or willingly using a motor vehicle or motorcycle that was taken unlawfully, and the person knew or should have known that the motor vehicle or motorcycle was taken unlawfully.
(b) The person was the owner or registrant of a motor vehicle or motorcycle involved in the accident with respect to which the security required by section 3101 or 3103 was not in effect.
(c) The person was not a resident of this state, unless the person owned a motor vehicle that was registered and insured in this state.
(d) The person was operating a motor vehicle or motorcycle as to which he or she was named as an excluded operator as allowed under section 3009(2).
(e) The person was the owner or operator of a motor vehicle for which coverage was excluded under a policy exclusion authorized under section 3017.
History:
Add. 1972, Act 294, Eff. Mar. 30, 1973 ;-- Am. 1986, Act 93, Eff. July 8, 1986 ;-- Am. 2014, Act 489, Imd. Eff. Jan. 13, 2015 ;-- Am. 2016, Act 346, Eff. Mar. 21, 2017 ;-- Am. 2019, Act 21, Imd. Eff. June 11, 2019
Compiler's Notes:
Section 2 of Act 93 of 1986 provides: “This amendatory act shall not apply to causes of action arising before the effective date of this amendatory act.”
Popular Name:
Act 218
Popular Name:
Essential Insurance
Popular Name:
No-Fault Insurance
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-31 - Chapter 31 Motor Vehicle Personal and Property Protection (500.3101...500.3179) › Section 500.3115 - Personal Protection Insurance Benefits Under the Assigned Claims Plan for Claims of Persons Not Occupants of Vehicle.

500.3115 Personal protection insurance benefits under the assigned claims plan for claims of persons not occupants of vehicle.
Sec. 3115.
Except as provided in section 3114(1), a person who suffers accidental bodily injury while not an occupant of a motor vehicle shall claim personal protection insurance benefits under the assigned claims plan under sections 3171 to 3175.
History:
Add. 1972, Act 294, Eff. Mar. 30, 1973 ;-- Am. 2019, Act 21, Imd. Eff. June 11, 2019
Constitutionality:
The legislative scheme which allows motorcyclists to receive no-fault benefits for personal injuries without requiring them to maintain no-fault security does not deny automobile drivers equal protection or due process of law. Underhill v Safeco Insurance Company, 407 Mich 175; 284 NW2d 463 (1979).
Compiler's Notes:
Act 143 of 1993, which amended this section, was submitted to the people by referendum petition (as Proposal C) and rejected by a majority of the votes cast at the November 8, 1994, general election.
Popular Name:
Act 218
Popular Name:
Essential Insurance
Popular Name:
No-Fault Insurance
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-31 - Chapter 31 Motor Vehicle Personal and Property Protection (500.3101...500.3179) › Section 500.3121 - Liability for Accidental Damage to Tangible Property.

500.3121 Liability for accidental damage to tangible property.
Sec. 3121.
(1) Under property protection insurance an insurer is liable to pay benefits for accidental damage to tangible property arising out of the ownership, operation, maintenance, or use of a motor vehicle as a motor vehicle subject to the provisions of this section and sections 3123, 3125, and 3127. However, accidental damage to tangible property does not include accidental damage to tangible property, other than the insured motor vehicle, that occurs within the course of a business of repairing, servicing, or otherwise maintaining motor vehicles.
(2) Property protection insurance benefits are due under the conditions stated in this chapter without regard to fault.
(3) Damage to tangible property consists of physical injury to or destruction of the property and loss of use of the property so injured or destroyed.
(4) Damage to tangible property is accidental, as to a person claiming property protection insurance benefits, unless it is suffered or caused intentionally by the claimant. Even though a person knows that damage to tangible property is substantially certain to be caused by his or her act or omission, he or she does not cause or suffer such damage intentionally if he or she acts or refrains from acting for the purpose of averting injury to any person, including himself or herself, or for the purpose of averting damage to tangible property.
(5) Property protection insurance benefits consist of the lesser of reasonable repair costs or replacement costs less depreciation and, if applicable, the value of loss of use. However, property protection insurance benefits paid under 1 policy for damage to all tangible property arising from 1 accident shall not exceed $1,000,000.00.
History:
Add. 1972, Act 294, Eff. Mar. 30, 1973 ;-- Am. 1993, Act 290, Imd. Eff. Dec. 28, 1993
Popular Name:
Act 218
Popular Name:
Essential Insurance
Popular Name:
No-Fault Insurance
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-31 - Chapter 31 Motor Vehicle Personal and Property Protection (500.3101...500.3179) › Section 500.3123 - Exclusions From Property Protection Insurance Benefits.

500.3123 Exclusions from property protection insurance benefits.
Sec. 3123.
(1) Damage to the following kinds of property is excluded from property protection insurance benefits:
(a) Vehicles and their contents, including trailers, operated or designed for operation upon a public highway by power other than muscular power, unless the vehicle is parked in a manner as not to cause unreasonable risk of the damage which occurred.
(b) Property owned by a person named in a property protection insurance policy, the person's spouse or a relative of either domiciled in the same household, if the person named, the person's spouse, or the relative was the owner, registrant, or operator of a vehicle involved in the motor vehicle accident out of which the property damage arose.
(2) Property protection insurance benefits are not payable for property damage arising from motor vehicle accidents occurring outside the state.
(3) Property protection insurance benefits are not payable for property damage to utility transmission lines, wires, or cables arising from the failure of a municipality, utility company, or cable television company to comply with the requirements of section 16 of Act No. 368 of the Public Acts of 1925, being section 247.186 of the Michigan Compiled Laws.
History:
Add. 1972, Act 294, Eff. Mar. 30, 1973 ;-- Am. 1978, Act 65, Imd. Eff. Mar. 14, 1978
Popular Name:
Act 218
Popular Name:
Essential Insurance
Popular Name:
No-Fault Insurance
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-31 - Chapter 31 Motor Vehicle Personal and Property Protection (500.3101...500.3179) › Section 500.3125 - Priorities in Claiming Property Protection Benefits.

500.3125 Priorities in claiming property protection benefits.
Sec. 3125.
A person suffering accidental property damage shall claim property protection insurance benefits from insurers in the following order of priority: insurers of owners or registrants of vehicles involved in the accident; and insurers of operators of vehicles involved in the accident.
History:
Add. 1972, Act 294, Eff. Mar. 30, 1973
Popular Name:
Act 218
Popular Name:
Essential Insurance
Popular Name:
No-Fault Insurance
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-31 - Chapter 31 Motor Vehicle Personal and Property Protection (500.3101...500.3179) › Section 500.3127 - Distribution of Loss, Reimbursement, and Indemnification Among Property Protection Insurers.

500.3127 Distribution of loss, reimbursement, and indemnification among property protection insurers.
Sec. 3127.
The provisions for distribution of loss and for reimbursement and indemnification among personal protection insurers as set forth in subsection (2) of section 3115 and in section 3116 also applies to property protection insurers.
History:
Add. 1972, Act 294, Eff. Mar. 30, 1973
Popular Name:
Act 218
Popular Name:
Essential Insurance
Popular Name:
No-Fault Insurance
2023 Michigan Compiled Laws › Chapter 500 - Insurance Code of 1956 › Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302) › 218-1956-31 - Chapter 31 Motor Vehicle Personal and Property Protection (500.3101...500.3179) › Section 500.3131 - Residual Liability Insurance; Coverage.

500.3131 Residual liability insurance; coverage.
Sec. 3131.
(1) Residual liability insurance shall cover bodily injury and property damage which occurs within the United States, its territories and possessions, or in Canada. This insurance shall afford coverage equivalent to that required as evidence of automobile liability insurance under the financial responsibility laws of the place in which the injury or damage occurs. In this state this insurance shall afford coverage for automobile liability retained by section 3135.
(2) This section shall not require coverage in this state other than that required by section 3009(1). This section shall apply to all insurance contracts in force as of October 1, 1973, or entered into after that date.
History:
Add. 1972, Act 294, Eff. Mar. 30, 1973 ;-- Am. 1978, Act 460, Imd. Eff. Oct. 16, 1978
Popular Name:
Act 218
Popular Name:
Essential Insurance
Popular Name:
No-Fault Insurance