Casualty Insurance Contracts

What this document is

Michigan Insurance Code of 1956, Chapter 30 - Casualty Insurance Contracts (MCL 500.3004 to 500.3037, 15 sections) is a state statute published by Michigan Legislature (www.legislature.mi.gov). It is one of the Michigan documents that insurance license exam questions are written from, including michigan property & casualty, michigan personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• MCL 500.3008 (Liability insurance policies; notice to insurer)

  “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...”

• MCL 500.3021 (Liability insurance policy; prohibits age discrimination, conditions)

  “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...”

• MCL 500.3006 (Liability insurance policies; insolvency or bankruptcy of insured)

  “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...”

• MCL 500.3020(1)(a) (Policy of casualty insurance; mandatory provisions; cancellation at insured's request)

  “That the policy may be canceled at any time at the request of the insured, in which case the insurer shall refund the excess of paid premium or assessment above the pro rata rates for the expired time, except as otherwise provided in subsections (2), (3), and (4).”

• MCL 500.3012 (Liability insurance policy; noncomplying forms, defenses of insurer)

  “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...”

• MCL 500.3009(2) (Automobile liability or motor vehicle liability policy; exclusion of named person; notice)

  “If authorized by the insured, automobile liability or motor vehicle liability coverage may be excluded when a vehicle is operated by a named person. An exclusion under this subsection is not valid unless the following notice is on the face of the policy or the declaration page or certificate of the...”

• MCL 500.3004 (Liability insurance policies; contents required)

  “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,...”

• MCL 500.3017(1) (Loss or injury while transportation network company driver is logged on; excluded coverage; examples)

  “An authorized insurer that issues an insurance policy insuring a personal vehicle may exclude all coverage afforded under the policy for any loss or injury that occurs while a transportation network company driver is logged on to a transportation network company digital network or while a...”

• MCL 500.3009(2) (Automobile liability policy; exclusion of named person; notice)

  “(2) If authorized by the insured, automobile liability or motor vehicle liability coverage may be excluded when a vehicle is operated by a named person. An exclusion under this subsection is not valid unless the following notice is on the face of the policy or the declaration page or certificate of...”

• MCL 500.3009(1)(a) (Automobile liability or motor vehicle liability policy; limits)

  “(a) Before July 2, 2020, a limit, exclusive of interest and costs, of not less than $20,000.00 because of bodily injury to or death of 1 person in any 1 accident, and after July 1, 2020, a limit, exclusive of interest and costs, of not less than $250,000.00 because of bodily injury to or death of 1...”

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