This bill amends the Michigan Insurance Code of 1956, specifically section 4509, to enhance protections for individuals and organizations reporting suspected insurance fraud. It establishes that individuals acting without malice are not liable for providing information or reports regarding suspected or completed insurance fraud to authorized agencies, including the National Insurance Crime Bureau and other governmental entities. The bill clarifies that this immunity applies unless the individual knows the information is false. Additionally, it extends this protection to insurers and their representatives, ensuring they are not subject to civil liability for cooperating with investigations or providing testimony related to suspected fraud.

The bill also removes references to the "insurance bureau" and the "national association of insurance commissioners," replacing them with more specific entities such as the National Insurance Crime Bureau. It emphasizes that authorized agencies and their employees are similarly protected from civil liability when acting without malice in their official capacities. Importantly, the bill maintains that it does not alter any existing common law or statutory privileges or immunities available to individuals or entities.

Statutes affected:
House Introduced Bill: 500.4509