500.2248 Automobile insurance; delivery of policy to insured.
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500.2248 Automobile insurance; delivery of policy to insured.
Sec. 2248.
(1)A policy of insurance against fire, theft, property damage, collision, or liability in connection with automobile coverage shall not be issued unless the policy, or an exact copy of the policy, is delivered to the insured.
(2)For purposes of this section, a personal automobile insurance policy and endorsements that do not contain personally identifiable information may be delivered by mailing, delivery, or posting on the insurer's internet website. If the insurer elects to post an insurance policy and endorsements on its internet website in lieu of mailing or delivering them to the named insured, the insurer shall comply with all of the following conditions:
(a)The policy and endorsements are easily accessible and remain easily accessible for as long as the policy is in force.
(b)After the expiration of the policy, the insurer archives the policy and endorsements and makes them available on request at no charge or for a reasonable charge.
(c)The policy and endorsements are posted in a manner that enables the insured to print and save the policy and endorsements using programs or applications that are widely available on the internet and free to use.
(d)The insurer provides notice to the named insured with each declarations page of a method by which an insured may obtain, on request and without charge, a paper or electronic copy of the policy or endorsements.
(e)On each declarations page issued to an insured, the insurer clearly identifies the exact policy and endorsement forms purchased by the insured.
(f)The insurer provides notice, in the manner by which it customarily communicates with a named insured, of any of the changes to the forms or endorsements and the insured's right to obtain, on request and without charge, a paper copy of the forms or endorsements.
History: 1956, Act 218, Eff. Jan. 1, 1957 ;-- Am. 2012, Act 454 , Imd. Eff. Dec. 27, 2012
Popular Name: Act 218