MI SB0282

Adds Section 2116c to the 1956 Insurance Code prohibiting automobile insurers from refusing coverage, continuing policies, limiting coverage, charging reinstatement fees, or increasing premiums solely due to a lapse in required insurance during the 6 months before application.

Allows individuals to qualify for this protection by providing a certified statement that they were incarcerated in a correctional facility, released within 6 months before applying for insurance, and the vehicle was not driven or moved during the 6-month period preceding application.

Requires insurers to provide the certification form for individuals to attest to their imprisonment status and vehicle non-use as part of the application process.

Conditional enactment: this bill takes effect only if Senate Bills 708 and 709 of the 102nd Legislature are also enacted into law.