2019 House Bill 4079

Eliminate “file and use” auto insurance rates

Introduced in the House

Jan. 24, 2019

Introduced by Rep. Michael Webber (R-45)

To eliminate Michigan’s “file and use” insurance rate regulatory system for vehicle insurance. Insurers are required to file for approval of any rate changes but don’t have to wait for approval to start using the rates immediately. Under the bill, auto insurers would require state approval in advance for rate changes.

Referred to the Committee on Insurance