Michigan Compiled Laws

Mich. Comp. Laws § 500.3101d (2026)

Qualification as self-insurer; certificate; issuance; cancellation.

✓ current as of July 2026

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THE INSURANCE CODE OF 1956

Act 218 of 1956

500.3101d Qualification as self-insurer; certificate; issuance; cancellation.

Sec. 3101d.

(1) A person in whose name more than 25 motor vehicles are registered may qualify as a self-insurer by obtaining a certificate of self-insurance issued by the commissioner under subsection (2).

(2) The commissioner may, in his or her discretion, on the application of a person who wishes to qualify under subsection (1), issue a certificate of self-insurance to the person if the commissioner is satisfied that the person has and will continue to have the ability to pay judgments obtained against the person.

(3) On not less than 5 days' notice and a hearing in accordance with the notice, the commissioner may on reasonable grounds cancel a certificate of self-insurance issued under this section. Failure to pay a judgment within 30 days after the judgment becomes final is a reasonable ground for the cancellation of a certificate of self-insurance.

History: Add. 2012, Act 204, Eff. Jan. 1, 2013

PopularName Notes:

Act 218

PopularName Notes:

Essential Insurance

PopularName Notes:

No-Fault Insurance

Notes of Decisions

Cited in 4 cases (2 in the last 5 years), 2019–2021 · leading case: Maegan Turner v. Farmers Ins. Exch. (Mich. Ct. App. 2019).

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Maegan Turner v. Farmers Ins. Exch. (Mich. Ct. App. 2019). · cites it 4× “] Additionally, MCL 500.3101d states in pertinent part: (1) A person in whose name more than 25 motor vehicles are registered may qualify as a self-insurer by obtaining a certificate of self-insurance issued by the commissioner under subsection (2).”

Northland Radiology Inc v. City of Detroit (Mich. Ct. App. 2019). “”2 Defendant subsequently 1 It appears that defendant is a self-insured entity under the no-fault act under MCL 500.3101d. 2 This Court subsequently held that Covenant applies retroactively.”

Maegan Turner v. Farmers Ins. Exch. (Mich. 2021). “As applied to this case, because these self-insured Enterprise appellants, see MCL 500.3101d, were not required under either MCL 500.”

Advanced Surgery Ctr. LLC v. Farm Bureau Gen. Ins. Co (Mich. Ct. App. 2021). “Accordingly, “because these self-insured Enterprise appellants, see MCL 500.3101d, were not required under either MCL 500.”

— Mich. Comp. Laws § 500.3101d(1) — 1 case

Maegan Turner v. Farmers Ins. Exch. (Mich. Ct. App. 2019). “] Additionally, MCL 500.3101d states in pertinent part: (1) A person in whose name more than 25 motor vehicles are registered may qualify as a self-insurer by obtaining a certificate of self-insurance issued by the commissioner under subsection (2).”

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