Michigan auto insurance Bill introduced by Reps. Cotter et al
HOUSE BILL No. 5706 Michigan Auto Insurance Bill
May 31, 2012, Introduced by Reps. Cotter, Horn, Heise, Somerville, Ananich, Yonker,
Johnson, Kowall, Callton, Olson, MacGregor, Damrow and Hughes and referred to the
Committee on Insurance.
Michigan Seal
A bill to amend 1956 PA 218, entitled
“The insurance code of 1956,”
by amending sections 3020 and 3104 (MCL 500.3020 and 500.3104),
section 3020 as amended by 2006 PA 106 and section 3104 as amended
by 2002 PA 662.
THE PEOPLE OF THE STATE OF MICHIGAN ENACT:
1 Sec. 3020. (1) A policy of casualty insurance, except worker’s
2 compensation and mortgage guaranty insurance, including all classes
3 of motor vehicle coverage, shall not be issued or delivered in this
4 state by an insurer authorized to do business in this state for
5 which a premium or advance assessment is charged, unless the policy
6 contains the following provisions:
7 (a) That the policy may be canceled at any time at the request
8 of the insured, in which case the insurer shall refund the excess 2
04703’11 TDR
1 of paid premium or assessment above the pro rata rates for the
2 expired time, except as otherwise provided in subsections (2), (3),
3 and (4), AND (8).
4 (b) Except as otherwise provided in subdivision (d), that the
5 policy may be canceled at any time by the insurer by mailing to the
6 insured at the insured’s address last known to the insurer or an
7 authorized agent of the insurer, with postage fully prepaid, a not
8 less than 10 days’ written notice of cancellation with or without
9 tender of the excess of paid premium or assessment above the pro
10 rata premium for the expired time.
11 (c) That the minimum earned premium on any policy canceled
12 pursuant to UNDER this subsection, other than automobile insurance
13 as defined in section 2102(2)(a) and (b), shall not be less than
14 the pro rata premium for the expired time or $25.00, whichever is
15 greater.
16 (d) That an insurer may refuse to renew a malpractice
17 insurance policy only by mailing to the insured at the insured’s
18 address last known to the insurer or an authorized agent of the
19 insurer,
To read the full Michigan Auto Insurance Bill: Go to
Michigan Bill 2011-2012 – HIB – 5706