MI HB5604

Amends the Michigan Insurance Code to clarify that the Michigan automobile insurance placement facility must make initial eligibility determinations for assigned claims plan benefits for claimants or persons making claims on their behalf.

Requires the facility to deny claims determined to be ineligible under the chapter or assigned claims plan, and must notify claimants promptly in writing of denials and the reasons for them.

Establishes that claimants or persons making claims on their behalf must cooperate in investigations of eligibility and settlement or defense of claims, including submitting to examinations under oath.

Creates a process for informal dispute resolution, including a private managerial-level conference with the facility and, if unresolved within 30 days, the right to request a determination by the director, with rules to be established for director review procedures.

Specifies that claims containing fraudulent insurance statements are ineligible for personal protection insurance benefits under the assigned claims plan, and allows the facility to close claim files for persons who fail to appear for scheduled conferences or director reviews.

Takes effect 90 days after enactment.