Insurance: insurers; property insurance denial, cancellation, or increased premiums for owners of certain breeds of dogs; prohibit. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 2130a.
Impact
If passed, HB6012 would significantly alter how insurance companies operate with respect to dog ownership within Michigan. Insurers would be barred from using breed-related factors as a basis for associated decisions. This change aims to create a more equitable environment for dog owners, denying the practice considered an 'unfair method of competition' under the new legislation. The bill explicitly allows certain exceptions, permitting insurers to make decisions based on sound underwriting and actuarial principles, as long as they are not reliant on a dog's breed. The law is set to take effect on January 1, 2025.
Summary
House Bill 6012 seeks to amend the 1956 PA 218, which pertains to the insurance code of Michigan, specifically focusing on the protection of homeowners with dogs of certain breeds. The bill introduces section 2130a, prohibiting insurers from considering the breed of dogs when making decisions related to residential property liability insurance policies. This includes implications for policy cancellation, premium rate adjustments, and refusal to provide coverage based on the dog's breed or breed mixture. The intent of the bill is to ensure that dog owners are not unfairly discriminated against in the realm of insurance due to their pet's breed.
Contention
While the bill aims to protect dog owners from potential discrimination, it has sparked debate among insurers and animal advocacy groups. Supporters argue that the legislation addresses discriminatory practices present in the industry, allowing for broader access to insurance for dog owners. Conversely, some insurers express concerns that such laws could lead to increased risks if they cannot take breeds into account when determining policy terms, potentially influencing overall insurance premiums and availability for all policyholders. Discussions may continue around how such a significant change could impact broader underwriting practices within the insurance industry in Michigan.
Insurance: insurers; denying or limiting insurance to living organ donors; prohibit. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding secs. 3406z, 3901a & 4002.
Insurance: no-fault; penalties for lapse of insurance policy; provide waiver for certain individuals. Amends secs. 2118 & 2120 of 1956 PA 218 (MCL 500.2118 & 500.2120) & adds sec. 2116c.
Insurance: health insurers; annual and lifetime dollar limits; prohibit. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406z. TIE BAR WITH: HB 4623'23
Insurance: health insurers; coverage of for PrEP and PEP prescriptions; provide for. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406dd.
Insurance: health insurers; coverage for mental health screenings for new mothers; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406oo.
Insurance: health insurers; coverage for the dispensing of a 12-month supply of birth control; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406z.
In tenement buildings and multiple dwelling premises, further providing for definitions and providing for borrowing requirements, for abandonment of residential rental property and for maintenance by receiver; and imposing penalties.
In tenement buildings and multiple dwelling premises, further providing for definitions and providing for borrowing requirements, for abandonment of residential rental property and for maintenance by receiver; and imposing penalties.