STATE OF MICHIGAN DEPARTMENT OF INSURANCE AND FINANCIAL SERVICES
In the matter of:
Essential Insurance Act: Maximum Copying Charge under MCL 500.2113(2)(a)
Under Section 2113 of the Insurance Code of 1956, MCL 500.2113, a person who has reason to believe that an insurer has improperly denied him or her automobile insurance or home insurance or has charged an incorrect premium for that insurance is entitled to a private informal managerial-level conference with the insurer. Insurers must provide the insured or insurance applicant information pertinent to the denial of insurance or premium charged if the insured or applicant requests the information and pays a reasonable copying charge. See MCL 500.2113(2)(a).
Under Michigan Administrative Code R 500.1508(3)(b), the copying charge may not exceed the rate charged by the Department of Insurance and Financial Services for copying under the Freedom of Information Act, 1976 PA 442, MCL 15.231 to 15.246. See R 500.1508(3)(b). Through December 31, 2021, this rate is 10 cents per sheet of paper. Insurers are encouraged to use the most economical means available to make the copies.