500.2102 Definitions; A to D.

Sec. 2102.

    (1)  "Affiliate of", or an insurer "affiliated with" an insurer, means an insurer that directly, or indirectly through 1 or more intermediaries, controls, or is controlled by, or is under common control with the insurer specified.

    (2) "Automobile insurance" means insurance for private passenger nonfleet automobiles which provides any of the following:

    (a) Security required pursuant to section 3101.

    (b) Personal protection, property protection, and residual liability insurance for amounts in excess of the amounts required under chapter 31.

    (c) Insurance coverages customarily known as comprehensive and collision.

    (d) Other insurance coverages for a private passenger nonfleet automobile as prescribed by rule promulgated by the commissioner pursuant to Act No. 306 of the Public Acts of 1969, as amended, being sections 24.201 to 24.315 of the Michigan Compiled Laws. A rule proposed for promulgation by the commissioner pursuant to this section shall be transmitted in advance to each member of the standing committee in the house and in the senate which has jurisdiction over insurance.

    (3) "Automobile insurance package policy" means a policy which includes more than 1 of the automobile insurance coverages described in section 2102(2)(a), (b), (c), or (d), in any combination.

    (4) "Declination" means any of the following:

    (a) Refusal by an agent to submit an application on behalf of an applicant to any of the insurers represented by the agent.

    (b) Refusal by an insurer to issue insurance to a person upon receipt of an application for insurance.

    (c) Offering insurance at higher rates with a different insurer than that requested by a person.

    (d) Offering coverage with less favorable terms or conditions than those requested by a person.