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HB 6267

Insurance: automobile; manuals of rules; provide requirements for. Amends secs. 2021, 2106, 2108, 2112, 2458 & 2652 of 1956 PA 218 (MCL 500.2021 et seq.).

2023-2024 Regular Session Introduced by Kristian Grant and 3 co-sponsors

Michigan bill requires auto insurers to reorganize policy manuals per standardized rules to improve transparency and consistency in coverage and claims decisions.

bill electronically reproduced 12/10/2024
#insurance:automobile
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Bill Summary · HB 6267

Legislative bill overview

HB 6267 amends Michigan's Insurance Code (MCL 500) to establish new requirements for how insurance companies must organize and present their rules in written manuals. The bill modifies provisions governing the structure and content requirements for automobile insurance policy manuals that insurers must maintain and make available.

Why is this important

Insurance manuals serve as the operational rulebooks that determine how claims are processed, premiums are calculated, and coverage decisions are made. Clear, standardized manual requirements can improve transparency for consumers and regulators, potentially reducing disputes over policy interpretation and ensuring consistent application of insurance rules across the industry.

Potential points of contention

  • Compliance costs: Insurance companies may argue that new manual formatting or organizational requirements impose administrative burdens and costs, which could be passed to consumers through higher premiums
  • Regulatory flexibility: Insurers may seek exemptions or variable compliance timelines, while consumer advocates may demand strict uniformity to prevent companies from obscuring unfavorable policies
  • Scope ambiguity: The bill references multiple code sections without showing full text, making it unclear whether requirements apply equally to all insurers or contain carve-outs for certain company sizes or types

Compiled from official sources — confirm details with the bill’s official record.

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