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

Mich. Comp. Laws § 500.3012 (2026)

Liability insurance policy; noncomplying forms, defenses of insurer.

✓ current as of July 2026
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THE INSURANCE CODE OF 1956


Act 218 of 1956


500.3012 Liability insurance policy; noncomplying forms, defenses of insurer.

Sec. 3012.

    Such a liability insurance policy issued in violation of sections 3004 through 3012 shall, nevertheless, be held valid but be deemed to include the provisions required by such sections, and when any provision in such policy or rider is in conflict with the provisions required to be contained by such sections, the rights, duties and obligations of the insured, the policyholder and the injured person shall be governed by the provisions of such sections: Provided, however, That the insurer shall have all the defenses in any action brought under the provisions of such sections that it originally had against its insured under the terms of the policy providing the policy is not in conflict with the provisions of such sections.

History: 1956, Act 218, Eff. Jan. 1, 1957

PopularName Notes:

Act 218
Notes of Decisions
Cited in 22 cases (4 in the last 5 years), 1968–2024 · leading case: Farm Bureau Ins. v. Allstate Ins., 592 N.W.2d 395 (Mich. Ct. App. 1999).
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Farm Bureau Ins. v. Allstate Ins., 592 N.W.2d 395 (Mich. Ct. App. 1999). · cites it 6× “include the provisions required by such sections, and when any provision in such policy or rider is in conflict with the provisions required to be contained by such sections, the rights, duties and obligations of the insured, the policyholder and the injured person shall be…”
Collins v. Motorists Mut. Ins., 194 N.W.2d 148 (Mich. Ct. App. 1971). · cites it 6× “MCLA § 500.3012 (Stat Ann 1957 Rev § 24.13012); Oatis v.”
Blakeslee v. Farm Bureau Mut. Ins., 201 N.W.2d 786 (Mich. 1972). “8 See MCLA 500.3012; MSA 24.13012 which provides in pertinent part as follows: "Such a liability insurance policy issued in violation of sections 3004 through 3012 shall, nevertheless be held valid but be deemed to include the provisions required by such sections * * * .”
Oatis v. Dairyland Ins. Co., 174 N.W.2d 35 (Mich. Ct. App. 1969). · cites it 2× “MCLA § 500.3012 (Stat Ann 1957 Rev § 24.13012), provides in pertinent part: “Such a liability insurance policy issued in violation of sections 3004 through 3012 shall, nevertheless, be held valid but be deemed to include the provisions required by stich sections.”
Pappas v. Cent. Nat. Ins. Grp. of Omaha, 255 N.W.2d 629 (Mich. 1977). “7 See MCLA 500.3012; MSA 24.13012 which formed a basis for the result in Blakeslee and Boettner and which provides in pertinent part: "Such a liability insurance policy issued in violation of sections 3004 through 3012 shall, nevertheless, be held valid but be deemed to include…”
Woods v. Progressive Mut. Ins., 166 N.W.2d 613 (Mich. Ct. App. 1968). “2 CLS 1961, § 500.3012 (Stat Ann 1957 Rev § 24.13012).”
Roach v. Cent. Nat'l Ins., 230 N.W.2d 297 (Mich. Ct. App. 1975). “The clear purpose and the mandatory language of the statute require that uninsured motorist coverage must be provided to the same persons included as insureds in the liability policy.”
Kaitlin Hahn v. Geico Indem. Co. (Mich. Ct. App. 2024). · cites it 25× “In January 2017, the trial court ruled that because Waller was in the military, he was still domiciled in Michigan and plaintiff, as his spouse, was also domiciled in Michigan. Therefore, they were not out-of-state residents and MCL 500.”
Kaitlin Hahn v. Geico Indem. Co. (Mich. Ct. App. 2018). · cites it 17× “And while her logic was not exactly clear, plaintiff went on to argue that by taking the position that it had no liability under MCL 500.”
Kaitlin Hahn v. Geico Indem. Co. (Mich. Ct. App. 2018). · cites it 17× “And while her logic was not exactly clear, plaintiff went on to argue that by taking the position that it had no liability under MCL 500.”
Samantha a Newton v. Progressive Marathon Ins. Co. (Mich. Ct. App. 2024). · cites it 13× “REFORMATION AND APPLICATION OF MCL 500.3012 Newton argues that because Nykie’s election was invalid (as argued above), we should construe the policy as including the statutory bodily injury liability limits contained in MCL 500.”
Bradley v. Mid-Century Ins., 259 N.W.2d 378 (Mich. Ct. App. 1977). “” Since the terms of the Citizens Mutual policy conferred insured status on plaintiff Bradley by virtue of his being a resident member of his father’s household at the time of the accident, he is necessarily insured under the uninsured motorist coverage of that policy.”
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