MI HB4138

Amends Michigan's 1956 Insurance Code to establish specific classification factors for automobile and home insurance rates, prohibiting rates based on sex or marital status.

For automobile insurance, permits rate classifications based on driver age/experience, vehicle use, mileage, vehicle characteristics, safety features, and completion of accident prevention education courses (minimum 8 hours classroom instruction).

For personal protection insurance on motorcycles, creates two coverage options: helmet-wearers may purchase limited first-party medical benefits ($5,000 increments), while non-helmet-wearers must purchase full personal protection insurance coverage.

Defines "crash helmet" by reference to Michigan Vehicle Code section 658 and establishes priority order for filing motorcycle personal protection insurance claims when motor vehicle accidents involve both motorcycles and other motor vehicles.

For home insurance, limits rate classifications to coverage amounts, security devices, structural defects, fire protection class, construction type, prior loss experience, smoking materials use, distance from fire hydrant, and law enforcement availability.