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of the pro rata premium the person would have paid for the coverage from the improperly
terminating insurer for the same period of time.
(c) If the person has secured coverage from an insurer other than the insurer that improperly
terminated the insurance, the person may continue that coverage, and the termination is deemed
invalid but coverage is not reinstated.
(3) If the director concludes that the person making the complaint was charged an incorrect
premium, the director shall order an appropriate remedy.
(4) If the director orders an appropriate remedy under this rule, the insurer shall, within 10
business days after the director’s order, comply with the director’s order, provide the required
remedy to the person making the complaint, if any, and provide documentation to the director
showing how the specific remedy was determined, calculated, or assessed when providing it to
the person.
R 500.1515 Collection and reporting of data by insurers.
Rule 15. For purposes of section 2127 of the code, MCL 500.2127, all of the following apply:
(a) Every insurer subject to chapter 21 of the code, MCL 500.2101 to 500.2131, underwriting
automobile insurance or home insurance, or both, in this state shall report data concerning the
insurance in accordance with statistical plans and reporting forms approved by the director. The
reporting plans and forms must provide for the collection of only the information the director
finds necessary to monitor and evaluate the automobile and home insurance markets in this state,
as provided in section 2127 of the code, MCL 500.2127.
(b) Statistical plans approved by order of the director for licensed statistical gathering agencies
are accepted to provide adequate historical premium, exposure, loss, and expense information for
automobile and home insurance.
(c) Supporting data for automobile and home insurance rate filings submitted in accordance
with the forms with instructions issued by the director are assumed to comply substantially with
information needs for evaluating overall rate level needs, 1 of the elements in monitoring and
evaluating markets per section 2127 of the code, MCL 500.2127.
(d) The director shall accept annual statement data on 1 element in the process of monitoring
competition.
R 500.1516 Exchange of claim information.
Rule 16. Every insurer subject to chapter 21 of the code, MCL 500.2101 to 500.2131, shall
exchange claim information for automobile insurance and home insurance as provided in these
rules to the extent the information is available from the responding company’s data base. The
information must not be requested for selected policyholders on the basis of age, sex, or other
factor that is discriminatory in nature.
R 500.1517 Exchange of automobile insurance claim information.
Rule 17. (1) Every insurer subject to chapter 21 of the code, MCL 500.2101 to 500.2131,
underwriting automobile insurance shall respond, on a form similar to figure 1 under R
500.1521, within 30 calendar days, to a request by another insurer for information concerning the
claim history of a specified person.
(2) The reporting insurer shall report automobile insurance claim information as follows:
(a) The name and address of the insured.
(b) The policy number of such insured.