MI HB5699

Prohibits insurers from establishing or maintaining rates or rating classifications for collision or comprehensive automobile insurance coverage based on accidents where law enforcement or courts determine the insured was not substantially at fault

Prohibits insurers from failing to offer, revoking, or charging for previously applied credits on collision or comprehensive coverage due to accidents where the insured was determined not to be substantially at fault

Applies only when a responding law enforcement officer or court has made a formal determination that the insured was not substantially at fault for the accident