MI HB5891

Require insurers to send annual written notices to auto and home insurance policyholders detailing specific rating classifications, underwriting rules, appeal rights, and instructions for obtaining additional rate information.

Mandate licensed insurance agents to provide premium quotations from all represented insurers, disclose the number of insurers represented, and submit applications to insurer(s) selected by eligible persons without channeling applicants away from coverage options.

Allow insurers to deliver personal auto insurance policies and endorsements via internet posting instead of mailing, provided policies remain accessible, are printable, and insureds can request paper copies at no charge.

Permit insurers to offer dollar amount deductibles on personal protection insurance benefits at reduced premium rates, applicable only to the named insured, spouse, and household relatives.

Authorize insurers to offer deductibles and exclusions for personal protection insurance benefits reasonably related to other health and accident coverage, subject to commissioner approval.