MI HB5520

Establishes a duty for insurers to deal fairly and in good faith with injured persons claiming personal protection insurance benefits and their providers.

Makes insurers liable for compensatory, consequential, noneconomic, economic, and exemplary damages plus litigation costs and attorney fees if they breach this duty.

Defines breach of duty to include 14 specific practices such as misrepresenting policy provisions, failing to acknowledge claims promptly, refusing payment without reasonable investigation, and delaying settlements.

Prohibits insurers from using tactics like requiring duplicate claim submissions, appealing arbitration awards to force lower settlements, or withholding payment on one coverage to influence settlements on other coverages.

Specifies that whether an insurer has breached this duty is a question of fact rather than law.