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

Mich. Comp. Laws § 500.4501 (2026)

Definitions.

✓ current as of July 2026
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THE INSURANCE CODE OF 1956


Act 218 of 1956


500.4501 Definitions.

Sec. 4501.

    As used in this chapter:

    (a) "Authorized agency" means the department of state police; a city, village, or township police department; a county sheriff's department; a United States criminal investigative department or agency; the prosecuting authority of a city, village, township, county, or state or of the United States; the office of financial and insurance regulation; or the department of state.

    (b) "Financial loss" includes, but is not limited to, loss of earnings, out-of-pocket and other expenses, repair and replacement costs, investigative costs, and claims payments.

    (c) "Insurance policy" or "policy" means an insurance policy, benefit contract of a self-funded plan, health maintenance organization contract, nonprofit dental care corporation certificate, or health care corporation certificate.

    (d) "Insurer" means a property-casualty insurer, life insurer, third party administrator, self-funded plan, health insurer, health maintenance organization, nonprofit dental care corporation, health care corporation, reinsurer, or any other entity regulated by the insurance laws of this state and providing any form of insurance.

    (e) "Organization" means an organization or internal department of an insurer established to detect and prevent insurance fraud.

    (f) "Person" includes an individual, insurer, company, association, organization, Lloyds, society, reciprocal or inter-insurance exchange, partnership, syndicate, business trust, corporation, and any other legal entity.

    (g) "Practitioner" means a licensee of this state authorized to practice medicine and surgery, psychology, chiropractic, or law, any other licensee of the state, or an unlicensed health care provider whose services are compensated, directly or indirectly, by insurance proceeds, or a licensee similarly licensed in other states and nations, or the practitioner of any nonmedical treatment rendered in accordance with a recognized religious method of healing.

    (h) "Runner", "capper", or "steerer" means a person who receives a pecuniary or other benefit from a practitioner, whether directly or indirectly, for procuring or attempting to procure a client, patient, or customer at the direction or request of, or in cooperation with, a practitioner whose intent is to obtain benefits under a contract of insurance or to assert a claim against an insured or an insurer for providing services to the client, patient, or customer. Runner, capper, or steerer does not include a practitioner who procures clients, patients, or customers through the use of public media.

    (i) "Statement" includes, but is not limited to, any notice statement, proof of loss, bill of lading, receipt for payment, invoice, account, estimate of property damages, bill for services, claim form, diagnosis, prescription, hospital or doctor record, X-rays, test result, or other evidence of loss, injury, or expense.

History: Add. 1995, Act 276, Eff. Mar. 28, 1996 ;-- Am. 2012, Act 39, Imd. Eff. Mar. 6, 2012

Compiler's Notes:

    For references to office of financial and insurance regulation to be deemed as department of insurance and financial services, and abolishment of office of financial and insurance regulation, see E.R.O. No. 2013-1, compiled at MCL 550.991.

    For references to commissioner of office of financial and insurance regulation to be deemed as references to director of department of insurance and financial services, and abolishment of office of commissioner of office of financial and insurance regulation, see E.R.O. No. 2013-1, compiled at MCL 550.991.

PopularName Notes:

Act 218
Notes of Decisions
Cited in 8 cases (2 in the last 5 years), 2013–2024 · leading case: Allstate Ins. Co. v. Global Med. Billing, Inc., 520 F. App'x 409 (6th Cir. 2013).
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Allstate Ins. Co. v. Global Med. Billing, Inc., 520 F. App'x 409 (6th Cir. 2013). “Plaintiff filed a seven-count complaint against twenty-four individual and corporate providers of medical services, alleging a scheme to obtain payment on fraudulent insurance claims in violation of Michigan insurance law, see Mich. Comp. Laws § 500.4501 , the Racketeer…”
People of Michigan v. Shunta Temar Small (Mich. Ct. App. 2016). · cites it 2× “116 (same), and MCL 500.4501 (providing definitions for Chapter 45, Insurance Fraud).”
Bond Pharmacy, Inc v. The Health Law Partners, P.C. (E.D. Mich. 2024). · cites it 2× “§ 500.4501(e). The Court quickly dispenses with AIS’s argument that HLP did not report “suspected or completed insurance fraud” but only a potential breach of contract.”
Michael E McCartha v. State Farm Fire & Cas. Co. (Mich. Ct. App. 2016). “4503, which governs insurance fraud and is included in Chapter 45 of the Insurance Code, MCL 500.4501 et seq. Plaintiff sought statutory penalties, under MCL 500.”
James McKinley Mills v. Titan Ins. Co. (Mich. Ct. App. 2017). “* * * (i) Knowingly and willfully assists, conspires with, or urges any person to fraudulently violate [MCL 500.4501 et seq.], or any person who due to that assistance, conspiracy, or urging knowingly and willfully benefits from the proceeds derived from the fraud.”
James McKinley Mills v. Titan Ins. Co. (Mich. Ct. App. 2017). “* * * (i) Knowingly and willfully assists, conspires with, or urges any person to fraudulently violate [MCL 500.4501 et seq.], or any person who due to that assistance, conspiracy, or urging knowingly and willfully benefits from the proceeds derived from the fraud.”
Shawn McIntosh v. Enter. Leasing Co. of Detroit (Mich. Ct. App. 2020). “*** (i) Knowingly and willfully assists, conspires with, or urges any person to fraudulently violate [MCL 500.4501 et seq.], or any person who due to that assistance, conspiracy, or urging knowingly and willfully benefits from the proceeds derived from the fraud [MCL 500.”
People of Michigan v. Jasmine Tanesha-Lasha Robinson (Mich. Ct. App. 2021). “” MCL 500.4501(i). The prosecutor maintained at trial that there were two factual pathways upon which the jury could conclude that defendants committed a fraudulent insurance act under the statute.”
— Mich. Comp. Laws § 500.4501(e) — 1 case
Bond Pharmacy, Inc v. The Health Law Partners, P.C. (E.D. Mich. 2024). “§ 500.4501(e). The Court quickly dispenses with AIS’s argument that HLP did not report “suspected or completed insurance fraud” but only a potential breach of contract.”
— Mich. Comp. Laws § 500.4501(f) — 1 case
Bond Pharmacy, Inc v. The Health Law Partners, P.C. (E.D. Mich. 2024). “§ 500.4501(e). The Court quickly dispenses with AIS’s argument that HLP did not report “suspected or completed insurance fraud” but only a potential breach of contract.”
— Mich. Comp. Laws § 500.4501(i) — 2 cases
People of Michigan v. Shunta Temar Small (Mich. Ct. App. 2016). “116 (same), and MCL 500.4501 (providing definitions for Chapter 45, Insurance Fraud).”
People of Michigan v. Jasmine Tanesha-Lasha Robinson (Mich. Ct. App. 2021). “” MCL 500.4501(i). The prosecutor maintained at trial that there were two factual pathways upon which the jury could conclude that defendants committed a fraudulent insurance act under the statute.”
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