Bill > HB4715

This bill amends the Michigan insurance code to expand protections for individuals and organizations reporting or investigating suspected insurance fraud. The bill clarifies and broadens the circumstances under which people can share information about potential insurance fraud without facing legal liability. Specifically, the bill adds the National Insurance Crime Bureau as an authorized entity for information sharing, and provides legal immunity for individuals who report suspected fraud to various agencies, including state and federal governmental agencies, the National Association of Insurance Commissioners, and other organizations. These protections apply as long as the person reporting the information is acting without malice and does not knowingly provide false information about material facts. The bill ensures that insurers, their employees, agents, and private individuals who cooperate with fraud investigations cannot be sued for civil liability when they provide evidence or testimony about suspected insurance fraud, as long as they are not intentionally providing false information. The bill also protects the agencies and organizations receiving such information from civil liability for their official activities related to fraud reporting, maintaining existing legal privileges and immunities.

Budget and Finance, Business and Industry

https://legislature.mi.gov/Bills/Bill?ObjectName=2025-HB-4715