December 18, 2014, Introduced by Rep. Hovey-Wright and referred to the Committee on Insurance.
A bill to amend 1956 PA 218, entitled
"The insurance code of 1956,"
by amending the title, the heading of chapter 61, and sections 102,
3116, 3301, 3330, 4501, 6101, 6105, 6107, 6110, and 6111 (MCL
500.102, 500.3116, 500.3301, 500.3330, 500.4501, 500.6101,
500.6105, 500.6107, 500.6110, and 500.6111), the title as amended
by 2002 PA 304, section 102 as amended by 2000 PA 252, section 3330
as amended by 2012 PA 204, section 4501 as amended by 2012 PA 39,
sections 6101, 6105, 6107, and 6110 as added by 1992 PA 174, and
section 6111 as amended by 2004 PA 316, and by adding sections
6104, 6104a, 6104b, and 6108; and to repeal acts and parts of acts.
THE PEOPLE OF THE STATE OF MICHIGAN ENACT:
TITLE
An act to revise, consolidate, and classify the laws relating
to the insurance and surety business; to regulate the incorporation
or formation of domestic insurance and surety companies and
associations and the admission of foreign and alien companies and
associations; to provide their rights, powers, and immunities and
to prescribe the conditions on which companies and associations
organized, existing, or authorized under this act may exercise
their powers; to provide the rights, powers, and immunities and to
prescribe the conditions on which other persons, firms,
corporations, associations, risk retention groups, and purchasing
groups engaged in an insurance or surety business may exercise
their powers; to provide for the imposition of a privilege fee on
domestic
insurance companies and associations; and the state
accident
fund; to provide for the imposition
of a tax on the
business of foreign and alien companies and associations; to
provide for the imposition of a tax on risk retention groups and
purchasing groups; to provide for the imposition of a tax on the
business of surplus line agents; to provide for the imposition of
regulatory fees on certain insurers; to provide for assessment fees
on certain health maintenance organizations; to modify tort
liability arising out of certain accidents; to provide for limited
actions with respect to that modified tort liability and to
prescribe certain procedures for maintaining those actions; to
proscribe the reimbursement or payment of certain benefits from
recoveries for claims in tort or contract; to require security for
losses arising out of certain accidents; to provide for the
continued availability and affordability of automobile insurance
and homeowners insurance in this state and to facilitate the
purchase of that insurance by all residents of this state at fair
and reasonable rates; to provide for certain reporting with respect
to insurance and with respect to certain claims against uninsured
or self-insured persons; to prescribe duties for certain state
departments and officers with respect to that reporting; to provide
for certain assessments; to establish and continue certain state
insurance
funds; to modify and clarify the status, rights, powers,
duties,
and operations of the nonprofit malpractice insurance fund;
to provide for the departmental supervision and regulation of the
insurance and surety business within this state; to provide for
regulation
over of worker's compensation self-insurers; to provide
for the conservation, rehabilitation, or liquidation of unsound or
insolvent insurers; to provide for the protection of policyholders,
claimants, and creditors of unsound or insolvent insurers; to
provide for associations of insurers to protect policyholders and
claimants in the event of insurer insolvencies; to prescribe
educational requirements for insurance agents and solicitors; to
provide for the regulation of multiple employer welfare
arrangements; to create an automobile insurance fraud and theft
prevention authority to reduce insurance fraud and the number of
automobile thefts in this state; to prescribe the powers and duties
of the automobile insurance fraud and theft prevention authority;
to provide certain powers and duties upon certain officials,
departments, and authorities of this state; to provide for an
appropriation; to repeal acts and parts of acts; and to provide
penalties for the violation of this act.
Sec. 102. As used in this act:
(a) (1) "Commissioner" as used in
this act means the
commissioner
of the office of financial and insurance
services.director.
(b) (2)
"Department" as used
in this act means the office
department
of financial and insurance and financial services.
(c) "Director" means the director of the department.
(d) "Office of financial and insurance regulation" and "office
of financial and insurance services" mean the department.
Sec. 3116. (1) A subtraction from personal protection
insurance benefits shall not be made because of the value of a
claim in tort based on the same accidental bodily injury. A
subtraction or reimbursement from a claim in tort or contract shall
not be made for personal protection insurance benefits, other
health and accident coverage, or benefits provided or required to
be provided under the laws of any state or the United States,
whether paid or payable, except as set forth in subsection (2).
(2) A subtraction from or reimbursement for personal
protection insurance benefits, other health and accident coverage,
or benefits provided or required to be provided under the laws of
any
state or the United States, whether
paid or payable, under this
chapter
shall be made only if recovery is
realized upon a tort
claim arising from an accident occurring outside this state, a tort
claim brought within this state against the owner or operator of a
motor vehicle with respect to which the security required by
section
3101 (3) 3101(3) and (4) was not in effect, or a tort claim
brought within this state based on intentionally caused harm to
persons or property, and shall be made only to the extent that the
recovery realized by the claimant is for damages for which the
claimant has received or would otherwise be entitled to receive
personal protection insurance benefits. A subtraction shall be made
only to the extent of the recovery, exclusive of reasonable
attorneys'
attorney fees and other reasonable expenses incurred in
effecting the recovery. If personal protection insurance benefits
have already been received, the claimant shall repay to the
insurers
out of the recovery a sum an
amount equal to the benefits
received, but not more than the recovery exclusive of reasonable
attorneys'
attorney fees and other reasonable expenses incurred in
effecting
the recovery. The insurer shall have has a lien on the
recovery to this extent. A recovery by an injured person or his or
her estate for loss suffered by the person shall not be subtracted
in calculating benefits due a dependent after the death and a
recovery by a dependent for loss suffered by the dependent after
the death shall not be subtracted in calculating benefits due the
injured person.
(3) A personal protection insurer with a right of
reimbursement
under subsection (1), (2),
if suffering loss from
inability to collect reimbursement out of a payment received by a
claimant upon a tort claim, is entitled to indemnity from a person
who, with notice of the insurer's interest, made the payment to the
claimant without making the claimant and the insurer joint payees
as
according to their interests may appear or without obtaining
the
insurer's consent to a different method of payment.
(4) A claimant's insurer, plan, or governmental entity is not
entitled
to a subtraction or reimbursement shall
not be due the
claimant's
insurer from that portion of any
a recovery to the
extent
that the recovery is realized for noneconomic loss as
provided in section 3135(1) and (2)(b) or for allowable expenses,
work loss, and survivor's loss as defined in sections 3107 to 3110
in excess of the amount recovered by the claimant from his or her
insurer.
(5) An insurer, plan, or governmental entity that is not
subject to subsections (1) to (4) and that is entitled by law or
contract to subrogation or reimbursement of benefits paid or
payable from a claim in tort or contract arising out of bodily
injury is entitled to subrogation or reimbursement only to the
extent of the net recovery in tort or contract. If payment of a
claim of subrogation or reimbursement would result in the claimant
in tort or contract receiving less from the net recovery of the
claim than the insurer, plan, or governmental entity, the insurer,
plan, or governmental entity and the claimant in tort or contract
shall share the net recovery equally. If a claimant in tort or
contract must reimburse an insurer, plan, or governmental entity,
the insurer responsible for paying the claimant's personal
protection insurance benefits under this chapter shall reimburse
the claimant for the reimbursement. As used in this subsection,
"net recovery" means the total settlement or judgment exclusive of
reasonable attorney fees and other reasonable expenses incurred in
effecting the recovery.
Sec. 3301. (1) Every insurer authorized to write automobile
insurance in this state shall participate in an organization for
the purpose of doing all of the following:
(a) Providing the guarantee that automobile insurance coverage
will be available to any person who is unable to procure that
insurance through ordinary methods.
(b) Preserving to the public the benefits of price competition
by encouraging maximum use of the normal private insurance system.
(c) Providing funding for the Michigan automobile insurance
fraud and theft prevention authority.
(2) The organization created under this chapter shall be
called the "Michigan automobile insurance placement facility".
Sec. 3330. (1) The board of governors has the power to direct
the operation of the facility, including, at a minimum, the power
to do all of the following:
(a) To sue and be sued in the name of the facility. A judgment
against
the facility shall does not create any liabilities in the
individual participating members of the facility.
(b) To delegate ministerial duties, to hire a manager, to hire
legal counsel, and to contract for goods and services from others.
(c) To assess participating members on the basis of
participation ratios pursuant to section 3303 to cover anticipated
costs of operation and administration of the facility, to provide
for equitable servicing fees, and to share losses, profits, and
expenses pursuant to the plan of operation.
(d) To impose limitations on cancellation or nonrenewal by
participating members of facility-placed business, in addition to
the limitations imposed by chapters 21 and 32.
(e) To provide for a limited number of participating members
to receive equitable distribution of applicants; or to provide for
a limited number of participating members to service applicants in
a plan of sharing of losses in accordance with section 3320(1)(c)
and the plan of operation.
(f) To provide for standards of performance of service for the
participating members designated under subdivision (e).
(g) To adopt a plan of operation and any amendments to the
plan, consistent with this chapter, necessary to assure the fair,
reasonable, equitable, and nondiscriminatory manner of
administering the facility, including compliance with chapter 21,
and to provide for any other matters necessary or advisable to
implement this chapter, including matters necessary to comply with
the requirements of chapter 21.
(h) To assess self-insurers and insurers consistent with
chapter 31 and the assigned claims plan approved under section
3171.
(i) To annually assess participating members and self-insurers
an aggregate amount not to exceed an amount calculated by the board
to reasonably cover anticipated costs of operation and
administration of the Michigan automobile insurance fraud and theft
prevention authority.
(2) The board of governors shall institute or cause to be
instituted by the facility or on its behalf an automatic data
processing system for recording and compiling data relative to
individuals insured through the facility. An automatic data
processing system established under this subsection shall, to the
greatest extent possible, be made compatible with the automatic
data processing system maintained by the secretary of state, to
provide for the identification and review of individuals insured
through the facility.
(3) On or before January 1, 2016, the board of governors shall
amend the plan of operation to establish appropriate procedures
necessary to make assessments for and to carry out the
administrative duties and functions of the Michigan automobile
insurance fraud and theft prevention authority as provided in
chapter 61.
Sec. 4501. As used in this chapter:
(a) "Authorized agency" means the department of state police;
a city, village, or township police department; a county sheriff's
department; a United States criminal investigative department or
agency; the prosecuting authority of a city, village, township,
county,
or state or of the United States; the office of financial
and
insurance regulation; department;
the Michigan automobile
insurance fraud and theft prevention authority; or the department
of state.
(b) "Financial loss" includes, but is not limited to, loss of
earnings, out-of-pocket and other expenses, repair and replacement
costs, investigative costs, and claims payments.
(c) "Insurance policy" or "policy" means an insurance policy,
benefit contract of a self-funded plan, health maintenance
organization contract, nonprofit dental care corporation
certificate, or health care corporation certificate.
(d) "Insurer" means a property-casualty insurer, life insurer,
third party administrator, self-funded plan, health insurer, health
maintenance organization, nonprofit dental care corporation, health
care corporation, reinsurer, or any other entity regulated by the
insurance laws of this state and providing any form of insurance.
(e) "Michigan automobile insurance fraud and theft prevention
authority" means the Michigan automobile insurance fraud and theft
prevention authority created under section 6104.
(f) (e)
"Organization" means an
organization or internal
department of an insurer established to detect and prevent
insurance fraud.
(g) (f)
"Person" includes an
individual, insurer, company,
association, organization, Lloyds, society, reciprocal or inter-
insurance exchange, partnership, syndicate, business trust,
corporation, and any other legal entity.
(h) (g)
"Practitioner" means a
licensee of this state
authorized to practice medicine and surgery, psychology,
chiropractic, or law, any other licensee of the state, or an
unlicensed health care provider whose services are compensated,
directly or indirectly, by insurance proceeds, or a licensee
similarly licensed in other states and nations, or the practitioner
of any nonmedical treatment rendered in accordance with a
recognized religious method of healing.
(i) (h)
"Runner",
"capper", or "steerer" means a person who
receives a pecuniary or other benefit from a practitioner, whether
directly or indirectly, for procuring or attempting to procure a
client, patient, or customer at the direction or request of, or in
cooperation with, a practitioner whose intent is to obtain benefits
under a contract of insurance or to assert a claim against an
insured or an insurer for providing services to the client,
patient, or customer. Runner, capper, or steerer does not include a
practitioner who procures clients, patients, or customers through
the use of public media.
(j) (i)
"Statement" includes, but
is not limited to, any
notice statement, proof of loss, bill of lading, receipt for
payment, invoice, account, estimate of property damages, bill for
services, claim form, diagnosis, prescription, hospital or doctor
record, X-rays, test result, or other evidence of loss, injury, or
expense.
CHAPTER 61
AUTOMOBILE INSURANCE FRAUD AND THEFT PREVENTION AUTHORITY
Sec. 6101. As used in this chapter:
(a)
"Authority" means the automobile theft prevention
authority
Michigan automobile insurance
fraud and theft prevention
authority.
(b) "Automobile insurance fraud" means a fraudulent insurance
act as described in section 4503 that is committed in connection
with an application for or a policy of automobile insurance.
(c) (b)
"Board" means the board
of directors of the Michigan
automobile
insurance fraud and theft prevention authority.
(c)
"Economic automobile theft" means automobile theft
perpetrated
for financial gain.
(d) "Car years" means net direct private passenger and
commercial nonfleet vehicle years of insurance providing the
security required by section 3101(1) written in this state for the
calendar year ending the December 31 of the second prior year as
reported to the statistical agent of each insurer.
(e) "Facility" means the Michigan automobile insurance
placement facility created under chapter 33.
Sec. 6104. (1) Beginning January 1, 2016, the Michigan
automobile insurance fraud and theft prevention authority is
created within the facility. The facility shall provide staff for
the authority and shall carry out the administrative duties and
functions as directed by the board.
(2) The authority is not a state agency, and the money of the
authority is not state money. However, both of the following apply
to the authority:
(a) A record of the authority is subject to disclosure as if
it were a public record under the freedom of information act, 1976
PA 442, MCL 15.231 to 15.246.
(b) The authority shall conduct its business at public
meetings held in compliance with the open meetings act, 1976 PA
267, MCL 15.261 to 15.275.
(3) The authority shall do all of the following:
(a) Provide financial support to state or local law
enforcement agencies for programs designed to reduce the incidence
of automobile insurance fraud and theft.
(b) Provide financial support to state or local prosecutorial
agencies for programs designed to reduce the incidence of
automobile insurance fraud and theft.
(4) The authority may provide financial support to law
enforcement, prosecutorial, insurance, education, or training
associations for programs designed to reduce the incidence of
automobile insurance fraud and theft, including offering rewards
for information that results in the successful prosecution of civil
or criminal cases.
(5) The purposes, powers, and duties of the authority are
vested in and exercised by a board of directors. The board of
directors consists of 15 members as follows:
(a) Nine members who represent automobile insurers in this
state subject to the following:
(i) At least 2 members must represent insurer groups with
350,000 or more car years.
(ii) At least 2 members must represent insurer groups with less
than 350,000 but 100,000 or more car years.
(iii) At least 1 member must represent insurer groups with less
than 100,000 car years.
(b) The director or his or her designee.
(c) The attorney general or his or her designee.
(d) Two members selected from a list comprising the names of 3
individuals nominated by the department of state police, 3
individuals nominated by the Michigan sheriffs' association, and 3
individuals nominated by the Michigan association of chiefs of
police.
(e) One member who represents prosecuting attorneys in this
state.
(f) One member who represents the general public.
(6) Automobile insurers doing business in this state shall
select the insurer members on the board under subsection (5) from a
list of nominees proposed by the board of governors of the
facility. In preparing the list of nominees for the insurer
members, the board of governors of the facility shall solicit
nominations from automobile insurers doing business in this state.
(7) The governor shall appoint the law enforcement members to
the board under subsection (5) with the advice and consent of the
senate. In appointing the law enforcement members, the governor
shall not appoint a member who represents the same type of law
enforcement agency as the other member who represents law
enforcement agencies on the board.
(8) The governor shall appoint the prosecuting attorney member
to the board under subsection (5) with the advice and consent of
the senate.
(9) The governor shall appoint the public member to the board
under subsection (5) with the advice and consent of the senate. The
public member must be a resident of this state and not be employed
by or under contract with any state or local unit of government or
any insurer.
(10) Except as otherwise provided in this subsection, a member
of the board serves for a term of 4 years and until his or her
successor is appointed and qualified. For the members first
selected or appointed under this section, 3 insurer members and 1
law enforcement member shall serve for a term of 2 years; 3 insurer
members, the prosecuting attorney member, and the general public
member shall serve for a term of 3 years; and 3 insurer members and
1 law enforcement member shall serve for a term of 4 years.
Sec. 6104a. (1) Members of the board shall serve without
compensation for their membership on the board, except that members
of the board are entitled to receive reasonable reimbursement for
necessary travel and expenses.
(2) A majority of the members of the board constitute a quorum
for the transaction of business at a meeting, or the exercise of a
power or function of the authority, notwithstanding the existence
of 1 or more vacancies. Notwithstanding any other provision of law,
action may be taken by the authority at a meeting upon a vote of
the majority of its members present in person or through the use of
amplified telephonic equipment, if authorized by the bylaws or plan
of operation of the board. The authority shall meet at the call of
the chair or as may be provided in the bylaws of the authority.
Meetings of the authority may be held anywhere in this state.
(3) The board shall adopt a plan of operation by a majority
vote of the board. Vacancies on the board shall be filled in
accordance with the plan of operation.
(4) The board shall conduct its business at meetings that are
held in this state, open to the public, and held in a place that is
available to the general public. However, the board may establish
reasonable rules to minimize disruption of a meeting of the board.
At least 10 days but not more than 60 days before a meeting, the
board shall provide public notice of the meeting at the board's
principal office and on a publicly accessible internet website. The
board shall include in the public notice of its meeting the address
where minutes of the board may be inspected by the public. The
board may meet in a closed session for any of the following
purposes:
(a) To consider the hiring, dismissal, suspension, or
disciplining of officers or employees of the authority.
(b) To consult with its attorney.
(c) To comply with state or federal law, rules, or regulations
regarding privacy or confidentiality.
(5) The board shall display information concerning the
authority's operations and activities, including, but not limited
to, the annual financial report required under section 6110, on a
publicly accessible internet website.
(6) The board shall keep minutes of each board meeting. The
board shall make the minutes open to public inspection and
available at the address designated on the public notice of its
meetings. The board shall make copies of the minutes available to
the public at the reasonable estimated cost for printing and
copying. The board shall include all of the following in the
minutes:
(a) The date, time, and place of the meeting.
(b) The names of board members who are present and board
members who are absent.
(c) Board decisions made during any portion of the meeting
that was open to the public.
(d) All roll call votes taken at the meeting.
Sec. 6104b. Before January 2, 2016, the department of state
police shall transfer all assets of the automobile theft prevention
authority to the facility for the benefit of the Michigan
automobile insurance fraud and theft prevention authority.
Sec.
6105. The authority shall have board
has the powers
necessary
or convenient to carry out and effectuate the purposes
and
provisions of this chapter and the purposes of the authority
and
the powers delegated by other laws its
duties under this act,
including, but not limited to, the power to do the following:
(a)
Sue and be sued ; to have a seal and alter the same at
pleasure;
to have perpetual succession; to make, execute, and
deliver
contracts, conveyances, and other instruments necessary or
convenient
to the exercise of its powers; and to make and amend
bylaws
in the name of the authority.
(b)
Solicit and accept gifts, grants, loans, funds collected
and
placed in the automobile theft prevention fund, and other aids
from any person or the federal, state, or a local government or any
agency thereof.
(c) Make grants and investments.
(d) Procure insurance against any loss in connection with its
property, assets, or activities.
(e) Invest any money held in reserve or sinking funds, or any
money not required for immediate use or disbursement, at its
discretion and to name and use depositories for its money.
(f) Contract for goods and services and engage personnel as is
necessary. ,
including the services of private consultants,
managers,
counsel, auditors, and others for rendering professional,
management,
and technical assistance and advice, payable out of any
money
of the fund legally available for this purpose.
(g) Indemnify and procure insurance indemnifying any member of
the board from personal loss or accountability from liability
resulting from a member's action or inaction as a member of the
board.
(h)
Do all other things necessary or convenient to achieve the
objectives
and purposes of the authority, this chapter, or other
laws.Perform other acts not specifically enumerated
in this section
that are necessary or proper to accomplish the purposes of the
authority and that are not inconsistent with this chapter or the
plan of operation.
Sec.
6107. (1) Prior to Before April 1 of each year, each an
insurer or self-insurer engaged in writing insurance coverages
which
that provide the security required by section 3101(1) within
in this state, as a condition of its authority to transact
insurance
in this state, shall pay to the authority facility, for
deposit
into the account of the authority, an
assessment equal to
$1.00
multiplied by the insurer's total earned car years of
insurance
providing the security required by section 3101(1)
written
in this state during the immediately preceding calendar
year.determined by the facility as provided in the
plan of
operation. The assessment to each insurer and self-insurer must be
based on the ratio of its car years written to the statewide total
car years for all insurers and self-insurers.
(2)
Money received pursuant to under
subsection (1), and all
other money received by the facility on behalf of the authority,
shall
be segregated and placed in a fund to be known as the
automobile
theft prevention fund. The automobile theft prevention
fund
shall be administered by the authority.from other money of the
facility, if applicable, and shall only be expended as directed by
the board.
(3)
Money in the automobile theft prevention fund shall be
expended
in the following order of priority:
(a)
To pay the costs of administration of the authority.
(b)
To achieve the purposes and objectives of this chapter,
which
may include, but not be limited to, the following:
(i) Provide financial support to the department of
state police
and
local law enforcement agencies for economic automobile theft
enforcement
teams.
(ii) Provide financial support to state or local law
enforcement
agencies for programs designed to reduce the incidence
of
economic automobile theft.
(iii) Provide financial support to local prosecutors for
programs
designed to reduce the incidence of economic automobile
theft.
(iv) Provide financial support to judicial agencies for
programs
designed to reduce the incidence of economic automobile
theft.
(v) Provide financial support for neighborhood or
community
organizations
or business organizations for programs designed to
reduce
the incidence of automobile theft.
(vi) Conduct educational programs designed to inform
automobile
owners
of methods of preventing automobile theft and to provide
equipment,
for experimental purposes, to enable automobile owners
to
prevent automobile theft.
(4)
Money in the automobile theft prevention fund shall only
be
used for automobile theft prevention efforts and shall be
distributed
based on need and efficacy as determined by the
authority.
(5)
Money in the automobile theft prevention fund shall not be
considered
state money.
(3) From the money received annually under subsection (1), the
board shall not reduce the amount of money available to provide
financial support for programs designed to reduce the incidence of
automobile theft below $6,000,000.00.
Sec. 6108. (1) An insurer authorized to transact automobile
insurance in this state, as a condition of its authority to
transact insurance in this state, shall report automobile insurance
fraud data to the authority using the format and procedures set
forth by the board.
(2) The department of state police shall cooperate with the
authority and shall provide available motor vehicle fraud and theft
statistics to the authority on request.
Sec.
6110. (1) The authority shall develop and implement a
plan
of operation.
(2)
The plan of operation shall include an assessment of the
scope
of the problem of automobile theft, including particular
areas
of the state where the problem is greatest; an analysis of
various
methods of combating the problem of automobile theft and
economic
automobile theft; a plan for providing financial support
to
combat automobile theft and economic automobile theft; and an
estimate
of the funds required to implement the plan.
(3)
The authority shall report annually on or before February
1
to the governor and the legislature on its activities in the
preceding
year.Beginning January 1, 2017,
the authority shall
prepare and publish an annual financial report and an annual report
to the legislature on its efforts to prevent automobile insurance
fraud and cost savings that have resulted from its efforts under
this chapter.
Sec.
6111. (1) By July 1 of every odd even numbered
year, the
automobile
theft prevention authority shall
prepare a report that
details the theft of automobiles and automobile insurance fraud
occurring in this state for the previous 2 years, assesses the
impact of the thefts and fraud on rates charged for automobile
insurance, summarizes prevention programs, and outlines allocations
made
by the authority. The director of the department of state
police,
members of the board, insurers, and the commissioner
director shall cooperate in the development of the report as
requested
by the automobile theft prevention authority and shall
make available records and statistics concerning all of the
following:
(a)
For automobile thefts, including the
number of automobile
thefts, number of prosecutions and convictions involving automobile
thefts,
and automobile theft recidivism. The automobile theft
prevention
(b) For automobile insurance fraud, the number of instances of
suspected and confirmed insurance fraud, number of prosecutions and
convictions involving automobile insurance fraud, and automobile
insurance fraud recidivism.
(2) In the report required by this section, the authority
shall evaluate the impact automobile theft and automobile insurance
fraud has on the citizens of this state and the costs incurred by
the citizens through insurance, police enforcement, prosecution,
and incarceration due to automobile thefts and automobile insurance
fraud.
(3) The authority shall submit the report required by this
section
shall be submitted to the senate and house of
representatives standing committees on insurance issues and the
commissioner.director.
Enacting section 1. Section 6103 of the insurance code of
1956, 1956 PA 218, MCL 500.6103, is repealed effective January 1,
2016.
Enacting section 2. The title and sections 4501, 6101, 6105,
6107, 6110, and 6111 of the insurance code of 1956, 1956 PA 218,
MCL 500.4501, 500.6101, 500.6105, 500.6107, 500.6110, and 500.6111,
as amended by this amendatory act, and sections 6104a and 6108 of
the insurance code of 1956, 1956 PA 218, as added by this
amendatory act, take effect January 1, 2016.
Enacting section 3. This amendatory act does not take effect
unless Senate Bill No.____ or House Bill No.____ (request no.
02982'13 a) of the 97th Legislature is enacted into law.