Michigan Compiled Laws

Mich. Comp. Laws § 500.4503 (2026)

Fraudulent insurance acts.

✓ current as of July 2026

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THE INSURANCE CODE OF 1956

Act 218 of 1956

500.4503 Fraudulent insurance acts.

Sec. 4503.

A fraudulent insurance act includes, but is not limited to, acts or omissions committed by any person who knowingly, and with an intent to injure, defraud, or deceive:

(a) Presents, causes to be presented, or prepares with knowledge or belief that it will be presented to or by an insurer or any agent of an insurer, or any agent of an insurer, reinsurer, or broker any oral or written statement knowing that the statement contains any false information concerning any fact material to an application for the issuance of an insurance policy.

(b) Prepares or assists, abets, solicits, or conspires with another to prepare or make an oral or written statement that is intended to be presented to or by any insurer in connection with, or in support of, any application for the issuance of an insurance policy, knowing that the statement contains any false information concerning any fact or thing material to the application.

(c) Presents or causes to be presented to or by any insurer, any oral or written statement including computer-generated information as part of, or in support of, a claim for payment or other benefit pursuant to an insurance policy, knowing that the statement contains false information concerning any fact or thing material to the claim.

(d) Assists, abets, solicits, or conspires with another to prepare or make any oral or written statement including computer-generated documents that is intended to be presented to or by any insurer in connection with, or in support of, any claim for payment or other benefit pursuant to an insurance policy, knowing that the statement contains any false information concerning any fact or thing material to the claim.

(e) Solicits or accepts new or renewal insurance risks by or for an insolvent insurer.

(f) Removes or attempts to remove the assets or records of assets, transactions, and affairs, or a material part of the assets or records, from the home office or other place of business of the insurer or from the place of safekeeping of the insurer, or who conceals or attempts to conceal the assets or record of assets, transactions, and affairs, or a material part of the assets or records, from the commissioner.

(g) Diverts, attempts to divert, or conspires to divert funds of an insurer or of other persons in connection with any of the following:

(i) The transaction of insurance or reinsurance.

(ii) The conduct of business activities by an insurer.

(iii) The formation, acquisition, or dissolution of an insurer.

(h) Employs, uses, or acts as a runner, capper, or steerer with the intent to falsely or fraudulently obtain benefits under a contract of insurance or to falsely or fraudulently assert a claim against an insured or an insurer for providing services to the client, patient, or customer.

(i) Knowingly and willfully assists, conspires with, or urges any person to fraudulently violate this act, or any person who due to that assistance, conspiracy, or urging knowingly and willfully benefits from the proceeds derived from the fraud.

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

PopularName Notes:

Act 218

Notes of Decisions

Cited in 33 cases (20 in the last 5 years), 2016–2025 · leading case: Kalvin Candler v. Farm Bureau Mut. Ins. Co. of Michigan, 910 N.W.2d 666 (Mich. Ct. App. 2017).

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Kalvin Candler v. Farm Bureau Mut. Ins. Co. of Michigan, 910 N.W.2d 666 (Mich. Ct. App. 2017). · cites it 10× “” Defendant refers us to MCL 500.4503, where the Legislature utilized both the terms “application” and “claims”; however, the word “application” in MCL 500.”

Michigan Spill Response v. Highlight Motor Grp., HL Motor Grp., Inc. (E.D. Mich. 2025). · cites it 11× “But—as this Court understands MSR’s complaint and responses—it appears MSR is alleging that the Insurer Defendants acted in bad faith by (1) committing fraudulent insurance acts, as defined by Mich. Comp. Laws § 500.4503 ; (2); refusing to settle MSR’s claim; and (3) failing to…”

C Kevin Gary v. Farmers Ins. Exch. (Mich. Ct. App. 2023). · cites it 8× “an oral or written statement, including computer-generated information, as part of or in support of a claim to the [MAIPF], or to an insurer to which the claim is assigned under the assigned claims plan, for payment or another benefit knowing that the statement contains false…”

Emmanuel McCune Jr v. Allstate Ins. Co. (Mich. Ct. App. 2019). · cites it 7× “(2) A person who presents or causes to be presented an oral or written statement, including computer-generated information, as part of or in support of a claim to the [MAIPF] for payment or another benefit knowing that the statement contains false information concerning a fact…”

Michael E McCartha v. State Farm Fire & Cas. Co. (Mich. Ct. App. 2016). · cites it 6× “Third, plaintiff sought to amend his complaint to add a claim for violation of MCL 500.4503, which governs insurance fraud and is included in Chapter 45 of the Insurance Code, MCL 500.”

Kevin Gary v. Farmers Ins. Exch. (Mich. Ct. App. 2023). · cites it 6× “an oral or written statement, including computer-generated information, as part of or in support of a claim to the [MAIPF], or to an insurer to which the claim is assigned under the assigned claims plan, for payment or another benefit knowing that the statement contains false…”

James McKinley Mills v. Titan Ins. Co. (Mich. Ct. App. 2017). · cites it 5× “who presents or causes to be presented an oral or written statement, including computer-generated information, as part of or in support of a claim to the Michigan automobile insurance placement facility for payment or another benefit knowing that the statement contains false…”

Orlando Scott v. Michigan Auto. Ins. Placement Facility (Mich. Ct. App. 2022). · cites it 5× “MCL 500.4503 provides in relevant part: A fraudulent insurance act includes, but is not limited to, acts or omissions committed by any person who knowingly, and with an intent to injure, defraud, or deceive: (c) Presents or causes to be presented to or by any insurer, any oral…”

20231130_C362230_36_362230.Opn.Pdf (Mich. Ct. App. 2023). · cites it 3× “A claim that contains or is supported by a fraudulent insurance act as described in this subsection is ineligible for payment of personal protection insurance benefits under the assigned claims plan.”

Elaine Diane Washington v. Farm Bureau Mut. Ins. Co. (Mich. Ct. App. 2025). · cites it 3× “She asserted that she did not commit a fraudulent insurance act as defined in MCL 500.4503 because she did not intend to defraud the MACP or Farm Bureau.”

People of Michigan v. Shunta Temar Small (Mich. Ct. App. 2016). · cites it 2× “4503 states in relevant part as follows: A fraudulent insurance act includes, but is not limited to, acts or omissions committed by any person who knowingly, and with an intent to injure, defraud, or deceive: * * * (c) Presents or causes to be presented to or by any insurer, any…”

Show all 33 citing cases →

— Mich. Comp. Laws § 500.4503(a) — 4 cases

Kalvin Candler v. Farm Bureau Mut. Ins. Co. of Michigan, 910 N.W.2d 666 (Mich. Ct. App. 2017). “” Defendant refers us to MCL 500.4503, where the Legislature utilized both the terms “application” and “claims”; however, the word “application” in MCL 500.”

Emmanuel McCune Jr v. Allstate Ins. Co. (Mich. Ct. App. 2019). “(2) A person who presents or causes to be presented an oral or written statement, including computer-generated information, as part of or in support of a claim to the [MAIPF] for payment or another benefit knowing that the statement contains false information concerning a fact…”

Orlando Scott v. Michigan Auto. Ins. Placement Facility (Mich. Ct. App. 2022). “MCL 500.4503 provides in relevant part: A fraudulent insurance act includes, but is not limited to, acts or omissions committed by any person who knowingly, and with an intent to injure, defraud, or deceive: (c) Presents or causes to be presented to or by any insurer, any oral…”

northland radiology v. Esurance Ins. Co. (E.D. Mich. 2022).

— Mich. Comp. Laws § 500.4503(c) — 6 cases

James McKinley Mills v. Titan Ins. Co. (Mich. Ct. App. 2017). “who presents or causes to be presented an oral or written statement, including computer-generated information, as part of or in support of a claim to the Michigan automobile insurance placement facility for payment or another benefit knowing that the statement contains false…”

People of Michigan v. Jasmine Tanesha-Lasha Robinson (Mich. Ct. App. 2021).

C Kevin Gary v. Farmers Ins. Exch. (Mich. Ct. App. 2023). “an oral or written statement, including computer-generated information, as part of or in support of a claim to the [MAIPF], or to an insurer to which the claim is assigned under the assigned claims plan, for payment or another benefit knowing that the statement contains false…”

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