MI HB4625

Amends Section 3173a of the Michigan Insurance Code to clarify the Michigan automobile insurance placement facility's authority to review claims for personal protection insurance benefits under the assigned claims plan and deny ineligible claims.

Establishes a rebuttable presumption that a claimant has satisfied cooperation duties if they submit a complete application, provide satisfactory proof of loss, and comply with examination requirements including 21 days' notice and reasonable accommodation for scheduling.

Allows the Michigan automobile insurance placement facility to perform its functions directly or through an assigned insurer, with assignment not constituting an eligibility determination and permitting later claim denials if ineligibility is discovered.

Defines fraudulent insurance acts as presenting false statements material to a claim knowing they contain false information, making such claims ineligible for personal protection insurance benefits under the assigned claims plan and subject to penalties under Section 4511.

Takes effect 90 days after enactment and is contingent upon passage of HB 4624.