Michigan Laws 500.3452 – Illegal occupation or criminal activity; optional provision; definitions
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Terms Used In Michigan Laws 500.3452
- Disability insurance policy: includes an insurance policy or insurance contract that insures against loss resulting from sickness or from bodily injury or death by accident, or both, including also the granting of specific hospital benefits and medical, surgical, and sick-care benefits to an individual, family, or group, subject to the exclusions provided in this section. See Michigan Laws 500.3400
- insured: as used in this chapter , shall not be construed as preventing a person other than the insured with a proper insurable interest from making application for and owning a policy covering the insured or from being entitled under such a policy to any indemnities, benefits and rights provided therein. See Michigan Laws 500.3462
- Insurer: means an individual, corporation, association, partnership, reciprocal exchange, inter-insurer, Lloyds organization, fraternal benefit society, or other legal entity, engaged or attempting to engage in the business of making insurance or surety contracts. See Michigan Laws 500.106
- Jurisdiction: (1) The legal authority of a court to hear and decide a case. Concurrent jurisdiction exists when two courts have simultaneous responsibility for the same case. (2) The geographic area over which the court has authority to decide cases.
- state: when applied to the different parts of the United States, shall be construed to extend to and include the District of Columbia and the several territories belonging to the United States; and the words "United States" shall be construed to include the district and territories. See Michigan Laws 8.3o
(1) An insurer may include in a disability insurance policy a provision as follows:
ILLEGAL OCCUPATION OR CRIMINAL ACTIVITY: The insurer is not liable for any loss to which a contributing cause was the insured‘s commission of or attempt to commit a felony or to which a contributing cause was the insured’s being engaged in an illegal occupation or other willful criminal activity.
(2) As used in this section:
(a) “Willful criminal activity” includes, but is not limited to, any of the following:
(i) Operating a vehicle while intoxicated in violation of section 625 of the Michigan vehicle code, 1949 PA 300, MCL 257.625, or similar law in a jurisdiction outside of this state.
(ii) Operating a methamphetamine laboratory. As used in this subdivision, “methamphetamine laboratory” means that term as defined in section 1 of 2006 PA 255, MCL 333.26371.
(b) “Willful criminal activity” does not include a civil infraction or other activity that does not rise to the level of a misdemeanor or felony.