Mich. Comp. Laws » Michigan Compiled Laws / Chapter 500 / Act 218 of 1956
Michigan Compiled Laws

Mich. Comp. Laws § 500.1904 (2026)

Rates and forms used by unauthorized insurers.

✓ current as of July 2026
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THE INSURANCE CODE OF 1956


Act 218 of 1956


500.1904 Rates and forms used by unauthorized insurers.

Sec. 1904.

    (1)  Rates used by unauthorized insurers shall not be subject to this code, except that a rate shall not be unfairly discriminatory.

    (2) Forms used by unauthorized insurers pursuant to this chapter shall not be subject to this code, except that a policy shall not contain language which misrepresents the true nature of the policy or class of policies.

History: Add. 1980, Act 341, Eff. June 23, 1981

PopularName Notes:

Act 218
Notes of Decisions
Cited in 2 cases, 2005–2009 · leading case: Royal Prop. Grp., LLC v. Prime Ins. Syndicate, Inc, 706 N.W.2d 426 (Mich. Ct. App. 2005).
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Royal Prop. Grp., LLC v. Prime Ins. Syndicate, Inc, 706 N.W.2d 426 (Mich. Ct. App. 2005). · cites it 2× “] Under MCL 500.1904(1), except for rates that are unfairly discriminatory, a surplus lines insurance carrier’s rates are not “subject to [the insurance] code .”
Gulf Underwriters Ins. v. McClain Indus., Inc., 765 N.W.2d 16 (Mich. 2009). · cites it 2× “402b(a); MCL 500.1904. The policy here includes language similar to the required "bankruptcy provision" for contracts controlled by the code.”
Mich. Comp. Laws § 500.1904(1): 1 case
Royal Prop. Grp., LLC v. Prime Ins. Syndicate, Inc, 706 N.W.2d 426 (Mich. Ct. App. 2005). “] Under MCL 500.1904(1), except for rates that are unfairly discriminatory, a surplus lines insurance carrier’s rates are not “subject to [the insurance] code .”
Mich. Comp. Laws § 500.1904(2): 1 case
Royal Prop. Grp., LLC v. Prime Ins. Syndicate, Inc, 706 N.W.2d 426 (Mich. Ct. App. 2005). “] Under MCL 500.1904(1), except for rates that are unfairly discriminatory, a surplus lines insurance carrier’s rates are not “subject to [the insurance] code .”
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