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

Mich. Comp. Laws § 500.4511 (2026)

Violation as felony; penalty; notice to licensing authority.

✓ current as of July 2026
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THE INSURANCE CODE OF 1956


Act 218 of 1956


500.4511 Violation as felony; penalty; notice to licensing authority.

Sec. 4511.

    (1)  A person who commits a fraudulent insurance act under section 4503 is guilty of a felony punishable by imprisonment for not more than 4 years or a fine of not more than $50,000.00, or both, and shall be ordered to pay restitution as provided in section 1a of chapter IX of the code of criminal procedure, Act No. 175 of the Public Acts of 1927, being section 769.1a of the Michigan Compiled Laws, and in the crime victim's rights act, Act No. 87 of the Public Acts of 1985, being sections 780.751 to 780.834 of the Michigan Compiled Laws.

    (2) A person who enters into an agreement or conspiracy to commit a fraudulent insurance act under section 4503 is guilty of a felony, punishable by imprisonment for not more than 10 years or by a fine of not more than $50,000.00, or both, and shall be ordered to pay restitution as provided in section 1a of chapter IX of the code of criminal procedure, Act No. 175 of the Public Acts of 1927, being section 769.1a of the Michigan Compiled Laws, and in the crime victim's rights act, Act No. 87 of the Public Acts of 1985, being sections 780.751 to 780.834 of the Michigan Compiled Laws.

    (3) If the court finds a practitioner or insurer responsible for or guilty of a fraudulent insurance act under section 4503, the court shall notify the appropriate licensing authority in this state of the adjudication.

History: Add. 1995, Act 276, Eff. Mar. 28, 1996

PopularName Notes:

Act 218
Notes of Decisions
Cited in 40 cases (18 in the last 5 years), 2003–2025 · leading case: People v. Schrauben, 886 N.W.2d 173 (Mich. Ct. App. 2016).
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People v. Schrauben, 886 N.W.2d 173 (Mich. Ct. App. 2016). · cites it 2× “He was sentenced to serve nine months in jail for the forgery convictions, 11 months in jail for the uttering and publishing convictions, and 16 months in prison for the fraudulent insurance acts convictions. The jury also convicted defendant of one count of conducting a…”
Kalvin Candler v. Farm Bureau Mut. Ins. Co. of Michigan, 910 N.W.2d 666 (Mich. Ct. App. 2017). · cites it 3× “4503] that is subject to the penalties imposed under [MCL 500.4511]. A claim that contains or is supported by a fraudulent insurance act as described in this subsection is ineligible for payment or benefits under the assigned claims plan.”
State Farm Mut. Auto. Ins. v. Warren Chiropractic & Rehab Clinic, P.C., 315 F.R.D. 220 (E.D. Mich. 2016). · cites it 2× “His involvement with Defendants is alleged to violate Mich. Comp. Laws § 500.4511 , which criminalizes a conspiracy to commit a fraudulent insurance act, although such violation is not brought as a cause of action here.”
People v. Fawaz, 829 N.W.2d 259 (Mich. Ct. App. 2012). “75, and two counts of making false statements about material matters for an insurance claim, MCL 500.4511(1). Defendant was sentenced to five years’ probation plus fines, costs, and $29,408.”
State Farm Mut. Auto. Ins. v. Pointe Physical Therapy, LLC, 107 F. Supp. 3d 772 (E.D. Mich. 2015). · cites it 2× “Judge Zatkoff also noted that Allstate did not have standing to bring a claim under Mich. Comp. Laws § 500.4511 , which sets forth the criminal sanctions for a fraudulent insurance act.”
Radu v. Herndon & Herndon Investigations, Inc., 838 N.W.2d 720 (Mich. Ct. App. 2013). “76, effective April 3, 2013, and insurance fraud in violation of MCL 500.4511(1). Although he was bound over as charged after a finding of probable cause, the prosecutor eventually filed a petition for a nolle prosequi, which was granted.”
People v. Wilson, 668 N.W.2d 371 (Mich. Ct. App. 2003). “218, and insurance fraud, MCL 500.4511(1). The trial court later vacated the insurance-fraud conviction, which was charged as an alternative to the false-pretenses charge, and sentenced defendant to two years’ probation, with the first nine months to be served in the county jail.”
Michael E McCartha v. State Farm Fire & Cas. Co. (Mich. Ct. App. 2016). · cites it 3× “Plaintiff sought statutory penalties, under MCL 500.4511, for State Farm’s fraudulent insurance acts specified in MCL 500.”
People of Michigan v. Shunta Temar Small (Mich. Ct. App. 2016). · cites it 3× “This case arose from suspicions that defendant was falsely maintaining that his personal motor vehicle, a 2007 GMC Envoy, was stolen in order to claim benefits from his insurer.”
People of Michigan v. Mona Fawaz (Mich. Ct. App. 2017). · cites it 2× “This case arises out of a fire at defendant’s home on September 26, 2009. Just a few days before the fire, after defendant was denied a rental certificate of occupancy after a failed inspection, defendant expressed to a city employee that she would be better off if her house…”
People of Michigan v. Mona Fawaz (Mich. Ct. App. 2017). · cites it 2× “This case arises out of a fire at defendant’s home on September 26, 2009. Just a few days before the fire, after defendant was denied a rental certificate of occupancy after a failed inspection, defendant expressed to a city employee that she would be better off if her house…”
People of Michigan v. Jasmine Tanesha-Lasha Robinson (Mich. Ct. App. 2021). · cites it 2× “For the reasons detailed in this opinion, we conclude that defense counsel provided ineffective assistance by failing to request a specific unanimity instruction and that, but for this error, there was a reasonable probability of a different outcome.”
Show all 40 citing cases →
— Mich. Comp. Laws § 500.4511(1) — 10 cases
People v. Fawaz, 829 N.W.2d 259 (Mich. Ct. App. 2012). “75, and two counts of making false statements about material matters for an insurance claim, MCL 500.4511(1). Defendant was sentenced to five years’ probation plus fines, costs, and $29,408.”
Radu v. Herndon & Herndon Investigations, Inc., 838 N.W.2d 720 (Mich. Ct. App. 2013). “76, effective April 3, 2013, and insurance fraud in violation of MCL 500.4511(1). Although he was bound over as charged after a finding of probable cause, the prosecutor eventually filed a petition for a nolle prosequi, which was granted.”
People v. Wilson, 668 N.W.2d 371 (Mich. Ct. App. 2003). “218, and insurance fraud, MCL 500.4511(1). The trial court later vacated the insurance-fraud conviction, which was charged as an alternative to the false-pretenses charge, and sentenced defendant to two years’ probation, with the first nine months to be served in the county jail.”
Michael E McCartha v. State Farm Fire & Cas. Co. (Mich. Ct. App. 2016). “Plaintiff sought statutory penalties, under MCL 500.4511, for State Farm’s fraudulent insurance acts specified in MCL 500.”
People of Michigan v. Mona Fawaz (Mich. Ct. App. 2017). “This case arises out of a fire at defendant’s home on September 26, 2009. Just a few days before the fire, after defendant was denied a rental certificate of occupancy after a failed inspection, defendant expressed to a city employee that she would be better off if her house…”
— Mich. Comp. Laws § 500.4511(2) — 1 case
People of Michigan v. Shunta Temar Small (Mich. Ct. App. 2016). “This case arose from suspicions that defendant was falsely maintaining that his personal motor vehicle, a 2007 GMC Envoy, was stolen in order to claim benefits from his insurer.”
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