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

Mich. Comp. Laws § 500.2003 (2026)

Prohibited trade practices; "person" defined.

✓ current as of July 2026
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THE INSURANCE CODE OF 1956


Act 218 of 1956


500.2003 Prohibited trade practices; "person" defined.

Sec. 2003.

    (1) A person shall not engage in a trade practice that is defined or described in this chapter or is determined under this chapter to be an unfair method of competition or an unfair or deceptive act or practice in the business of insurance.

    (2) Except as otherwise provided in this subsection, "person" means that term as defined in section 114 and includes an insurance producer, solicitor, counselor, adjuster, or nonprofit dental care corporation operating under 1963 PA 125, MCL 550.351 to 550.373. Person does not include the property and casualty guaranty association.

History: 1956, Act 218, Eff. Jan. 1, 1957 ;-- Am. 1976, Act 273, Eff. Apr. 1, 1977 ;-- Am. 2016, Act 276, Imd. Eff. July 1, 2016

PopularName Notes:

Act 218
Notes of Decisions
Cited in 7 cases (3 in the last 5 years), 1985–2025 · leading case: McClain v. Coverdell & Co., 272 F. Supp. 2d 631 (E.D. Mich. 2003).
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McClain v. Coverdell & Co., 272 F. Supp. 2d 631 (E.D. Mich. 2003). · cites it 2× “MCL § 500.2003 and § 500.2007.” She argues that this Court should reject Defendants’ overly narrow view because “clearly” Defendants can violate a section outside of Section 20, which also violates Section 20.”
Am. Cmty. Mut. Ins. v. Comm'r of Ins., 491 N.W.2d 597 (Mich. Ct. App. 1992). “MCL 500.2003(1); MSA 24.12003(1). Petitioner’s proposed insurance form was rejected by the Insurance Bureau’s staff because it represented an unfair trade practice in violation of MCL 500.”
Smart v. New Hampshire Ins., 384 N.W.2d 772 (Mich. Ct. App. 1985). “” MCL 500.2003; MSA 24.12003. "An unfair method of competition and an unfair or deceptive act or .”
Cnty. Of Ingham V Mi Cnty. Road Comm'n Self-Ins. Pool (Mich. 2021). “2016; see also MCL 500.2003(1) (“A person shall not engage in a trade practice that is defined or described in this chapter or is determined under this chapter to be an unfair method of competition or an unfair or deceptive act or practice in the business of insurance.”
Cnty. of Ingham v. Mi Cnty. Road Comm'n Self-Ins. Pool (Mich. 2021). “2016; see also MCL 500.2003(1) (“A person shall not engage in a trade practice that is defined or described in this chapter or is determined under this chapter to be an unfair method of competition or an unfair or deceptive act or practice in the business of insurance.”
Michigan Spill Response v. Highlight Motor Grp., HL Motor Grp., Inc. (E.D. Mich. 2025). “Laws § 500.2003 (2) (defining “person”). And if the insurer fails to timely pay a third-party tort claim, the statute provides that the insurer must pay 12% per annum interest on the benefits due “from a date 60 days after satisfactory proof of loss was received by the insurer”…”
United States Fire Ins. v. City of Warren, 94 F. Supp. 2d 833 (E.D. Mich. 2000). “§§ 500.2003, 500.2005a (Count X). In that action, the City of Warren, seeks declaratory and monetary relief, in that numerous cases .”
— Mich. Comp. Laws § 500.2003(1) — 3 cases
Am. Cmty. Mut. Ins. v. Comm'r of Ins., 491 N.W.2d 597 (Mich. Ct. App. 1992). “MCL 500.2003(1); MSA 24.12003(1). Petitioner’s proposed insurance form was rejected by the Insurance Bureau’s staff because it represented an unfair trade practice in violation of MCL 500.”
Cnty. Of Ingham V Mi Cnty. Road Comm'n Self-Ins. Pool (Mich. 2021). “2016; see also MCL 500.2003(1) (“A person shall not engage in a trade practice that is defined or described in this chapter or is determined under this chapter to be an unfair method of competition or an unfair or deceptive act or practice in the business of insurance.”
Cnty. of Ingham v. Mi Cnty. Road Comm'n Self-Ins. Pool (Mich. 2021). “2016; see also MCL 500.2003(1) (“A person shall not engage in a trade practice that is defined or described in this chapter or is determined under this chapter to be an unfair method of competition or an unfair or deceptive act or practice in the business of insurance.”
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