Michigan Compiled Laws

Mich. Comp. Laws § 500.3010 (2026)

Loss or damage to insured vehicle caused by fire or explosion; payment of claim; report; applicability of section; local governments electing to apply section to all insurance companies; list; insurer withholding money while complying with section.

✓ current as of July 2026

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THE INSURANCE CODE OF 1956

Act 218 of 1956

500.3010 Loss or damage to insured vehicle caused by fire or explosion; payment of claim; report; applicability of section; local governments electing to apply section to all insurance companies; list; insurer withholding money while complying with section.

Sec. 3010.

(1) Notwithstanding any other provision of this act, an automobile insurer shall not pay a claim of $2,000.00 or more for loss or damage caused by fire or explosion to an insured motor vehicle until a report under subsection (2) has been submitted and the insurer has received from the insured a copy of the report.

(2) If an insured motor vehicle suffers loss or damage caused by fire or explosion, the insured shall submit to the fire or law enforcement authority designated by the city, village, or township a report prescribed by the office of financial and insurance services in conjunction with the bureau of fire services created in section 1b of the fire prevention code, 1941 PA 207, MCL 29.1b, that requires information concerning the motor vehicle fire or explosion.

(3) This section does not apply to accidental fires or explosions as determined by the insurer or the fire or law enforcement authority designated by the city, village, or township. If the insurer or the fire or law enforcement authority designated by the city, village, or township determines that the fire or explosion may not be accidental, the insurer or the fire or law enforcement authority designated by the city, village, or township shall notify the insured of the requirement for a report under this section by not later than 30 days after the determination by the insurer or the fire or law enforcement authority designated by the city, village, or township.

(4) This section applies only if the fire or law enforcement authority responsible for investigating the fire or explosion is located in a city, village, or township described in subsection (8) and if the city, village, or township, pursuant to a resolution by its governing body, notifies the commissioner in writing of both of the following:

(a) That the city, village, or township has elected to receive the reports prepared under subsection (2).

(b) The name and address of the fire or law enforcement authority designated by the city, village, or township to receive reports prepared under subsection (2).

(5) The commissioner shall prepare and distribute a list of all cities, villages, and townships that have elected to apply this section to all insurance companies transacting automobile insurance in this state.

(6) A city, village, or township may be added to the list prepared under subsection (5) by submitting a written request containing the information required under subsection (4) to the commissioner. If a written request is received, the commissioner shall prepare and distribute an amended list indicating the addition. The addition shall be effective on the date specified by the commissioner in the amended list. The commissioner shall notify the city, village, township, and all insurers transacting automobile insurance in this state of the effective date of an addition, which shall be not less than 30 days after receipt of the notice by the insurance company. This section does not apply to any loss that occurred before the effective date of the addition.

(7) A city, village, or township may request to be deleted from the list or may cease to apply this section for a period of not less than 6 months upon not less than 30 days' written notice to the commissioner. After receipt of a request to be deleted from the list, the commissioner shall prepare and distribute an amendment to the list indicating the deletion. The deletion shall be effective on the date specified by the commissioner in the amendment. The commissioner shall notify the city, village, township, and all insurers transacting automobile insurance in this state of the effective date of a deletion which shall be effective not less than 30 days after receipt of the notice by the insurance company. A city, village, or township shall continue to apply this section to any loss that occurred before the effective date of the deletion, notwithstanding the deletion.

(8) A city, village, or township may elect to apply this section as provided in subsection (4) and as follows:

(a) If the city, village, or township is located in a county with a population of 425,000 or more.

(b) If the city, village, or township is located in a county with a population of less than 425,000 but the city, village, or township has a population of 50,000 or more.

(9) There is no liability on the part of, and a cause of action does not arise against, an insurer or an agent or employee of an insurer for withholding money in the course of complying with or attempting to comply with this section.

History: Add. 2000, Act 413, Imd. Eff. Jan. 8, 2001 ;-- Am. 2006, Act 208, Imd. Eff. June 19, 2006

Compiler's Notes:

Former MCL 500.3010, which pertained to uninsured motorist coverage, was repealed by Act 345 of 1972, Eff. Oct. 1, 1973.

PopularName Notes:

Act 218

Notes of Decisions

Cited in 84 cases (1 in the last 5 years), 1967–2025 · leading case: Detroit Auto. Inter-Ins. Exch. v. Gavin, 331 N.W.2d 418 (Mich. 1982).

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Detroit Auto. Inter-Ins. Exch. v. Gavin, 331 N.W.2d 418 (Mich. 1982). · cites it 6× “In 1972, in Blakeslee and Boettner , this Court declared that the industry-wide automobile insurance policy "other insurance" and "owned vehicle exclusion" standard clauses, if enforced, would preclude the insured from stacking coverages in violation of the policy inherent in…”

Bradley v. Mid-Century Ins., 294 N.W.2d 141 (Mich. 1980). · cites it 5× “Once having been afforded this status, and so long as it exists, MCL 500.3010; MSA 24.13010 [the amendment to the Insurance Code] requires that an offer of uninsured motorist insurance must be extended, for protection from injuries caused by uninsured motorists wherever the…”

Tamara Woodring v. Phoenix Ins. Co., 923 N.W.2d 607 (Mich. Ct. App. 2018). “Plaintiff went to a self-serve spray car wash in early February, parked but left the vehicle running, began washing the vehicle, and as she worked her way around to the rear of the vehicle, she *112 slipped and fell, suffering serious injuries for which she sought benefits under…”

Auto Club Ins. Ass'n v. DeLaGarza, 444 N.W.2d 803 (Mich. 1989). · cites it 4× “position toward the insured is the deep-seated, often unconscious but justified feeling or belief that the powerful underwriter, having drafted its several types of insurance "contracts of adhesion" with the aid of skillful and highly paid legal talent, from which no deviation…”

Lotoszinski v. State Farm Mut. Auto. Ins., 331 N.W.2d 467 (Mich. 1982). · cites it 8× “Consistent with the unambiguous language of MCL 500.3010; MSA 24.13010, [2] we hold that a *5 person may not collect benefits from his or her own uninsured motorist policy when the tortfeasor's insurance coverage meets the statutorily required limits.”

Collins v. Motorists Mut. Ins., 194 N.W.2d 148 (Mich. Ct. App. 1971). · cites it 8× “13010), which provides in pertinent part: "No automobile liability or motor vehicle liability policy insuring against loss resulting from liability imposed by law for bodily injury or death suffered by any person arising out of the ownership, maintenance or use of a motor…”

Werner v. Travelers Indem. Co., 222 N.W.2d 254 (Mich. Ct. App. 1974). · cites it 10× “The Hendren vehicle was insured by American Fellowship Mutual Insurance Company, and that policy provided uninsured motorist coverage pursuant to MCLA 500.3010; MSA 24.13010. Plaintiff was insured by Travelers Indemnity Company, and plaintiff's decedent was an insured party…”

Blakeslee v. Farm Bureau Mut. Ins., 201 N.W.2d 786 (Mich. 1972). · cites it 4× “This act provides in pertinent part as follows: «N0 * * * policy * * * shall be delivered * * * unless coverage is provided therein * * * for the protection of persons insured thereunder * * * in limits * * * set forth in [the Motor Vehicle Code 1 ] * * * unless the named…”

Kozak v. Detroit Auto. Inter-Ins. Exch., 262 N.W.2d 904 (Mich. Ct. App. 1977). · cites it 4× “However, the injury in Blakeslee occurred after the passage of MCLA 500.3010; MSA 24.13010 (since repealed) which required uninsured motorist coverage.”

Powers v. Detroit Auto. Inter-Ins. Exch., 398 N.W.2d 411 (Mich. 1986). · cites it 2× “These latter decisions were based on MCL 500.3010; MSA 24.13010, which required that uninsured motorist coverage be offered to all insureds covered for liability.”

Rice v. Detroit Auto. Inter-Ins. Exch., 239 N.W.2d 675 (Mich. Ct. App. 1976). · cites it 5× “We are confronted with the issue of whether an exclusion clause within the uninsured motorist coverage section of an automobile insurance policy contravenes public policy prescribed by MCLA 500.3010; MSA 24.13010, 1 insofar as the exclusion applies to one other than a named…”

Pappas v. Cent. Nat. Ins. Grp. of Omaha, 255 N.W.2d 629 (Mich. 1977). · cites it 4× “At the time of the accident in this case 3 , MCLA 500.3010; MSA 24.13010 provided: "No automobile liability or motor vehicle liability policy insuring against loss * * * shall be delivered or issued for delivery * * * unless coverage is provided therein or supplemental thereto *…”

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