TRPDA - 500.3103 Motorcycle Insurance Required

500.3103 Owner or registrant of motorcycle; security required; offering security for payment of first-party medical benefits; rates, deductibles, and provisions.

Sec. 3103.

(1) An owner or registrant of a motorcycle shall provide security against loss resulting from liability imposed by law for property damage, bodily injury, or death suffered by a person arising out of the ownership, maintenance, or use of that motorcycle. The security shall conform with the requirements of section 3009(1).

(2) Each insurer transacting insurance in this state which affords coverage for a motorcycle as described in subsection (1) also shall offer, to an owner or registrant of a motorcycle, security for the payment of first-party medical benefits only, in increments of $5,000.00, payable in the event the owner or registrant is involved in a motorcycle accident. An insurer providing first-party medical benefits may offer, at appropriate premium rates, deductibles, provisions for the coordination of these benefits, and provisions for the subtraction of other benefits provided or required to be provided under the laws of any state or the federal government, subject to the prior approval of the commissioner. These deductibles and provisions shall apply only to benefits payable to the person named in the policy, the spouse of the insured, and any relative of either domiciled in the same household.


History: Add. 1975, Act 329, Eff. Mar. 31, 1976 ;--Am. 1977, Act 54, Imd. Eff. July 6, 1977 ;--Am. 1980, Act 445, Eff. Jan. 15, 1981 ;--Am. 1986, Act 173, Imd. Eff. July 7, 1986 .

Constitutionality: The legislative scheme which allows motorcyclists to receive no-fault benefits for personal injuries without requiring them to maintain no-fault security does not deny automobile drivers equal protection or due process of law. Underhill v. Safeco Insurance Company, 407 Mich. 175, 284 N.W.2d 463 (1979).

Popular Name: Act 218

Popular Name: Essential Insurance

Popular Name: No-Fault Insurance

2003 Legislative Council, State of Michigan



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