MI HB4844

Establishes a statutory duty for insurers to deal fairly and in good faith with injured persons claiming personal protection insurance benefits and their providers under Michigan's Insurance Code.

Makes insurers liable for compensatory, consequential, noneconomic, economic, and exemplary damages plus litigation costs and attorney fees for breaching the duty to deal fairly and in good faith.

Defines 14 specific practices that constitute breaches of the duty, including misrepresenting policy provisions, failing to promptly acknowledge or act on claims, refusing payment without reasonable investigation, and delaying investigation or payment through duplicate documentation requests.

Establishes that whether an insurer breached the duty to deal fairly and in good faith is a question of fact, not law.

Takes effect only upon enactment of House Bills 4244, 5020, 5145, 5146, 5147, 5148, 5150, and 5151.