The bill amends section 4509 of the Michigan Insurance Code to provide legal protections for individuals and organizations that report or provide information regarding suspected insurance fraud. It establishes that a person acting without malice is not liable for filing reports or sharing information with authorized agencies, including the National Association of Insurance Commissioners and the National Insurance Crime Bureau, as long as they do not know the information is false. This protection extends to insurers, their employees, and private individuals who cooperate with investigations or provide evidence, shielding them from civil liability related to their actions concerning suspected fraud.

Additionally, the bill clarifies that authorized agencies and their employees are also protected from civil liability when acting without malice in the course of their official duties, including the publication of reports or bulletins. The amendments remove references to the "insurance bureau" and the "national association of insurance commissioners," replacing them with more specific language regarding the National Association of Insurance Commissioners and the National Insurance Crime Bureau. The bill ensures that these legal protections do not alter any existing common law or statutory privileges or immunities.

Statutes affected:
House Introduced Bill: 500.4509