Michigan · Insurance Adjuster SampleInteractive Mind Map
Michigan Adjuster Regulations
A visual breakdown of the Michigan rules an adjuster is tested on — including the two credentials in a shared chapter, the three examinations with three different cut scores, the statute that replaces the missing claims regulation, the two 12 percent clocks on different triggers, and the automobile system rebuilt in 2019.
Michigan licenses two adjusters — the Insurance Adjuster and the Adjuster for the Insured — over three lines of authority, and registers the adjusting firm rather than licensing it. All of it sits inside Chapter 12, a shared chapter captioned “Agents, Solicitors, Adjusters, and Counselors,” where the producer provisions outnumber the adjuster ones roughly four to one. That is why the single most useful Michigan habit is reading the noun: MCL 500.1222 says “a person,”MCL 500.1224 says “an adjuster,” and MCL 500.1204c says “insurance producer” — narrowed again by §1204c(16) to “a life-health agent or property-casualty agent.” That one definition is why Michigan adjusters owe zero continuing education. There is no prelicensing education either, no fingerprinting, and three PSI examinations rather than one — with the public adjuster scored at 71% against 70% for the other two, on percentages rather than scaled scores. Every license expires 31 March, statewide, on a date no statute could be found to fix.
On the job Michigan has no claims-handling regulation at all. MCL 500.2026 is the entire rule — fourteen prohibited acts, (a) through (n), and not one number. It does not use the phrase “general business practice” that nearly every other state uses; its frequency element reads “other than isolated incidents … a persistent tendency.” The numbers live one section family away, in MCL 500.2006: 30 calendar days to specify in writing what constitutes satisfactory proof of loss, 60 days to pay, and 12% simple interest from day 61 — and a second 12% clock runs in no-fault under MCL 500.3142 from day 31 after reasonable proof. Michigan also refuses the first-party bad-faith tort: Kewin holds an insurance policy is a commercial contract, there is no private right of action under Chapter 20, and the Consumer Protection Act route closed on 28 March 2001. What survives is statutory interest — and under Nickola, a reasonable dispute does not defeat it on a first-party claim.
Then there is the 2019 rebuild. PA 21 and PA 22 of 2019 turned PIP into a four-tier menu with unlimited as the default, put medical charges onto a Medicare percentage schedule at 190 / 220 / 230, capped in-home family attendant care at 56 hours a week — importing the number from workers' compensation while applying it to a wider class — and wrote the tort threshold's definition into MCL 500.3135(5). Three more Michigan answers sit somewhere other than where the question points: UM and UIM are entirely contractual, because the statute was repealed in 1973 and its number reassigned; the repealed fire-policy section MCL 500.2832 still sets the coverage floor through §2833(2); and the guaranty association's $5,000,000 cap carves out workers' compensation claims and PIP benefits entirely. Click through the clusters, then take the scenario quiz and see which numbers have stuck.
Michigan licenses TWO adjusters over THREE lines — and registers the firm rather than licensing it. The chapter is MCL ch. 500, Chapter 12, captioned “Agents, Solicitors, Adjusters, and Counselors.” It runs 46 sections — and only five of them are the adjuster block: .1222 (license required), .1224 (examination), .1226 (rates and charges), .1227 (conduct) and .1228 (records). Everything else in the chapter was written for producers.
💼 INSURANCE ADJUSTER
🏠 ADJUSTER FOR THE INSURED
Represents the insurance company. Three lines of authority: fire and other hazards, workers’ compensation, crop. Two PSI examinations serve it — 16-72 with the comp line and 16-71 without.
Michigan’s public adjuster. A separate credential with its own application pathway, not an endorsement. Confined to fire and other hazards, “excluding workers’ compensation.” Its own examination — 16-70, and the cut score is 71%.
THE WORKERS’ COMPENSATION LINE CANNOT BE HELD ALONENIPR states the pairing rule outright: “Resident Insurance Adjuster applicants applying for workers’ compensation LOA must actively hold or apply for fire & other hazards simultaneously.” ⚠ And the public-adjuster credential cannot reach comp at all — that is a licensing boundary, not a practice preference.
What Michigan issues
Instrument
What is distinctive
Insurance Adjuster
MCL 500.1222
Company side. Three lines of authority; two of the three examinations.
Adjuster for the Insured
MCL 500.1222
⚠ Michigan’s public adjuster. Fire and other hazards only. Cut score 71%, one point above the other two.
Adjusting firm
DIFS
⚠ REGISTERED, not licensed. No published firm fee. A registration carries no lines of authority.
Crop line
DIFS
⚠ A line of authority with no PSI examination published for it. The line exists; the test does not.
Catastrophe route
—
⚠ THERE IS NONE. No emergency license, no temporary registration. DIFS offers expedited processing only.
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Chapter 12 is SHARED — and the producer provisions outnumber the adjuster ones about four to one
Forty-six sections; five of them adjuster. Almost every wrong answer about Michigan adjuster licensing comes from reading a requirement written for a producer and assuming it reaches an adjuster.
⚠ So read the noun, every time. • MCL 500.1222 — “A person shall not act as an adjuster” → reaches you personally. • MCL 500.1224 — “an adjuster” → reaches you. • MCL 500.1204c — “insurance producer” → does not reach you. That single noun is why Michigan adjusters owe zero continuing education.
MCL 500.1204c(16) — THE DEFINITION THAT CLOSES THE QUESTIONThe CE section does not merely use the word “producer” — it defines it, narrower, for that section only: “‘Insurance producer’ means a life-health agent or property-casualty agent.” ⚠ A section-local definition beats an absence of evidence. This is a proof, not an inference — and it is stronger than pointing at the missing adjuster CE rule.
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R 501.10 — the adjuster rule people still cite — is RESCINDED
The Michigan Administrative Code carries R 501.10 with the status “Rescinded.” It is not narrowed, not superseded, not reserved. Rescinded.
Citing it as live authority is citing a rule that no longer exists — and it is exactly the kind of citation that survives in secondary summaries long after the rule has gone.
✅ WHAT MICHIGAN DOES NOT REQUIRE
NO PRELICENSING EDUCATION. Zero hours. PSI sorts Adjuster into the no-prelicensing group.
NO CONTINUING EDUCATION. Zero hours — against 24 hours every 2 years, 3 in ethics, for producers.
NO FINGERPRINTING. And not for producers either — Michigan appears to require it of neither.
⚠ WHAT IT DOES REQUIRE
REAL DISCLOSURE.Misdemeanors, felonies AND military offenses — a wider net than a felony question.
WRITTEN CONSENT FOR A FELONY. A felony record does not bar you; it routes you into a written-consent application.
A LICENSE BEFORE THE CATASTROPHE. There is no waiver route. Expedited processing is the whole accommodation.
MCL 500.1227 AND MCL 500.1228 — TWO SECTIONS MOST ADJUSTERS HAVE NEVER READ§1226 governs rates and charges, §1227 governs conduct, and §1228 governs records. They sit in the same five-section block as the licensing and examination sections, and they apply to you by the same noun. ⚠ They are the adjuster-specific conduct law that the shared chapter’s producer provisions distract everyone from.
Zero hours in, zero hours out — and THREE examinations, not one. Michigan asks for no prelicensing education and no continuing education. What it does ask for is an examination, and the single most common error about Michigan is treating that as one test with one cut score. PSI publishes three, and one of them scores a point higher than the other two.
PSI examination
Series
Items / time
Cut score
Independent Adjuster with Workers’ Compensation authority
16-72
100 / 2 hrs
70%
Independent Adjuster without Workers’ Compensation authority
16-71
100 / 2 hrs
70%
Public Adjuster (Adjuster for the Insured)
16-70
100 / 2 hrs
⚠ 71%
❔
The 71 is real, and there is no statute behind any of the three
The public adjuster cut score is 71% — one point above the other two, for no reason the code explains. That is because no Michigan statute or rule sets a passing score at all. The numbers are vendor policy, published in a PSI bulletin and expressly “subject to change.”
⚠ And the score is a PERCENTAGE, not a scaled score. Many states convert raw scores and equate forms; Michigan’s figures are straight percentages. Do not import another state’s scaled-score explanation into a Michigan answer.
⚠ Pretest items sit ON TOP of the 100 — between 1 and 10 unscored items. The 100 is the scored count, not the seat count.
MCL 500.1224 — THE EXAMINATION IS DISCRETIONARY IN ITS OWN TERMSThe statute says the Director “may subject the applicant” to an examination — and the same section’s subsection (2) is a “may waive” power. ⚠ That waiver power is the statutory hinge for both nonresident equivalence and reinstatement. Neither of those is a separate rule; both are §1224(2) being exercised.
⏳
Two shelf-life clocks, and the SHORTER one is the one that ends your application
PSI holds a passing score for 12 months.DIFS holds an application for 6 months. Both are real; only one of them can kill the file.
• Pass the examination, wait seven months, then apply — the score is still good. • Apply, then let the application sit seven months while you chase a document — the application is gone, even though the score is not.
⚠ There is no published attempt cap and no published waiting period between attempts other than a same-day bar. Michigan does not limit how many times you sit.
💰 WHAT THE AGENCY CHARGES
⚖ WHAT THE STATUTE PRICES
Examination $41. Application $15 plus $5 resident (or $6.18 nonresident). Reinstatement $15 through NIPR. All-in on a first try: about $61.
⚠ MCL 500.240 prices the application at $10 and the examination at $10 — the latter dormant under §240(4). No escape clause reconciles the $10 with the $15. The renewal is the one line that matches to the cent.
THE RENEWAL FEE MATCHES THE STATUTE EXACTLY — $5.00MCL 500.240(1)(g) prices the annual adjuster renewal at $5.00, and that is what DIFS charges. ⚠ Which makes the mismatch on the application fee harder to explain away, not easier — the same fee section is being followed on one line and not on another.
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Every adjuster license in Michigan expires on 31 MARCH — and no statute says so
There is no birth-month rule, no rolling anniversary and no staggered cycle. One statewide date, every year.
⚠ But the date could not be traced to a statute.MCL 500.240 establishes annual licensure and prices it; neither it nor MCL 500.1222 nor MCL 500.1224 fixes a calendar date. It is reported here as administrative in origin rather than attributed to a section it is not in — which is itself the more useful exam habit.
Miss it and the license is canceled, status Inactive. No grace period is published.
✅ REINSTATEMENT WITHIN 12 MONTHS
NO NEW EXAMINATION for the same authority — the Director exercises the §1224(2) waiver.
$15 REINSTATEMENT through NIPR.
⚠ AFTER 12 MONTHS
THE FULL INITIAL PROCESS. New application, new examination.
THE LINE IS DRAWN BY THE WAIVER, not by a separate reinstatement statute. Read §1224(2) and the twelve months explains itself.
NONRESIDENTS — AN EQUIVALENCE ROUTE, NOT A WAIVERA nonresident must hold a home-state license. Michigan then examines only if the home state does not examine. ⚠ That is equivalence, not reciprocity and not a waiver — a home state with no examination sends you to PSI like anybody else.
Michigan has NO claims-handling regulation. The statute is the entire rule. The Department’s insurance rules can be listed end to end without finding one. So MCL 500.2026 is the rule — fourteen prohibited acts, (a) through (n) — and it contains not one number. The numbers live one section family away, in MCL 500.2006. Two sections, and you need both.
MICHIGAN DOES NOT SAY “GENERAL BUSINESS PRACTICE”Almost every state’s unfair claims statute carries that phrase. Michigan’s does not. MCL 500.2026’s frequency element reads: committed “other than isolated incidents … a persistent tendency” to engage in the conduct. ⚠ Answer a Michigan question with the national phrase and you are answering from the wrong statute.
ALL CALENDAR DAYS
Duty
Clock
Where it comes from
ACKNOWLEDGE the claim
⚠ NO NUMBER
A duty under MCL 500.2026(1)(b) — failing to acknowledge with reasonable promptness — but the section fixes no deadline.
INVESTIGATE
⚠ NO NUMBER
A duty under §2026(1)(c). No deadline.
AFFIRM OR DENY
⚠ NO NUMBER
A duty under §2026(1)(e). No deadline anywhere in Michigan law.
SPECIFY in writing what constitutes satisfactory proof of loss
30 CALENDAR
MCL 500.2006(3) — and this is the closest thing Michigan has to an acknowledgment deadline.
PAY the supported portion
60 CALENDAR
MCL 500.2006(4) — running from satisfactory proof of loss.
PENALTY INTEREST attaches
DAY 61
12% simple per annum under §2006(4).
💡
The 30-day letter is Michigan’s de facto acknowledgment deadline — use it that way
Michigan gives you no acknowledgment number and no affirm-or-deny number. What it gives you is a 30-day written duty to specify the materials that will constitute satisfactory proof of loss.
Write that letter on time and you have discharged the only hard early-stage clock Michigan sets, created the record that the file was engaged, and started the 60-day payment clock on terms you defined. Skip it and there is no other early deadline to hide behind — there is just §2026(1)(b) and a persistent tendency.
§2026(2) — THE COMPLAINT RECORD DUTY PEOPLE FORGETBeyond the fourteen acts, MCL 500.2026(2) imposes a complaint record obligation. It is not a claim-handling prohibition and it is not on the (a)–(n) list, which is exactly why it falls out of summaries built from that list.
⚠
TWO 12% clocks in one code, and they run on different triggers
Both are 12% simple. The rate will not tell them apart. The trigger will.
• MCL 500.2006 — general first-party claims. 60 days from satisfactory proof of loss; interest from day 61. • MCL 500.3142 — no-fault PIP. 30 days from reasonable proof of the fact and amount of loss; interest from day 31.
⚠ Different section family, different number of days, different proof standard. Merging them is the most common Michigan deadline error there is.
ALL OF THESE ARE CALENDAR DAYSMichigan runs one day convention throughout — calendar. There is no working-day clock anywhere in the claims sections, which removes a whole category of arithmetic other states force on you.
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“Reasonably in dispute” does NOT save you on a first-party claim
Every adjuster is taught that penalty interest is off when the claim is reasonably in dispute. In Michigan that sentence is wrong for first-party claimants, and the Supreme Court said so.
⚠ Nickola, Docket 152535, Michigan Supreme Court, 12 May 2017. The “reasonably in dispute” qualifier governs §2006(1) — it does not gate the 12% interest owed to a first-party claimant under §2006(4).
• First-party claimant: interest is owed even where the dispute was entirely reasonable. • Third-party claimant: three conditions, including a court finding of bad faith.
The distinction is who the claimant is, not whether you were right.
Michigan refuses the first-party bad-faith tort — and says so in terms. An insured whose claim is wrongly denied recovers policy benefits, ordinary contract damages, and statutory interest. That is the whole list. No mental-distress damages for the mere breach, no private action under the unfair trade practices chapter, and — since 28 March 2001 — no Consumer Protection Act route either.
KEWIN — DOCKETS 60756 AND 60757, MICHIGAN SUPREME COURT, 5 AUGUST 1980The Court declined “to declare the mere bad-faith breach of an insurance indemnity contract an independent and separately actionable tort” — holding that a policy is a commercial contract, “the mere breach of which does not give rise to a right to recover damages for mental distress.” ⚠ Exemplary damages require “tortious conduct existing independent of the breach.” Breaching badly is not tortious conduct independent of the breach.
❌ WHAT MICHIGAN DOES NOT GIVE
✅ WHAT IT GIVES INSTEAD
No first-party bad-faith tort. No mental-distress damages for the breach. No punitive damages on that theory. No private right of action under Chapter 20 — the chapter was enumerated entry by entry and there is none. And no Consumer Protection Act claim against regulated insurance conduct.
Policy benefits.Ordinary contract damages.12% simple statutory interest — which a first-party claimant gets even where the dispute was reasonable. Plus DIFS regulatory exposure, which reaches you, not only the carrier.
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The MCPA trap: the case is real, and the route it describes is gone
Michigan’s Consumer Protection Act was closed to regulated insurance conduct on 28 March 2001. But the leading case people cite for the opposite proposition — Smith v Globe Life — predates the amendment.
That is what makes it dangerous rather than merely wrong. The citation checks out. The holding was real. The statute underneath it changed.
⚠ Whenever a Michigan consumer-protection route looks open, check the decision’s date against 28 March 2001 before anything else.
NO PRIVATE ACTION UNDER CHAPTER 20 — AND THAT NEGATIVE WAS PROVED, NOT ASSUMEDChapter 20 was enumerated end to end — 67 entries — and no section confers a private right of action. Isagholian, Docket 142460, Michigan Court of Appeals, 1994, is the authority. ⚠ An enumerated negative is worth far more than “no provision was found.”
👤
The regulatory exposure reaches YOU. The civil exposure is unresolved.
MCL 500.2003 is written as “A person shall not engage” in unfair methods of competition or unfair or deceptive acts. “A person” includes the adjuster, not merely the insurer.
• Cease-and-desist violation: $20,000 per violation. • Code-wide civil fine: $1,000 / $5,000, with a $50,000 aggregate.
⚠ Whether an adjuster can be held personally liable in a civil action to the insured is unresolved in Michigan. Report it as unresolved — the regulatory exposure is certain and does not depend on it.
Limitation period
Length
The catch
Breach of an insurance contract
6 YEARS
The ordinary contract period.
“Bad faith” claim
6 YEARS
⚠ Because in Michigan it is a contract claim. There is no shorter tort period to argue about — there is no tort.
Suit on a fire policy
1 YEAR — or longer
⚠ MCL 500.2833(1)(q): “within 1 year after the loss or within the time period specified in the policy, whichever is longer.” The statute is a floor, not a ceiling.
Fire policy tolling
—
Tolled “from the time the insured notifies the insurer of the loss until the insurer formally denies liability.”A file left open does not run the clock.
RORY AND THE FIGHT ABOUT SHORTENING LIMITATION PERIODSRory, Docket 126747, Michigan Supreme Court, 28 July 2005, enforced a contractually shortened limitation clause. ⚠ But shortened limitation clauses are void in personal lines from 3 May 2007. Read the policy’s inception date against that date before you rely on either side of it.
Michigan rebuilt its entire automobile system in 2019 — and the rest of the numbers live in four other places. PA 21 and PA 22 of 2019. PIP stopped being automatically unlimited. Medical charges went onto a Medicare-based fee schedule. Family attendant care at home was capped. The tort threshold’s definition was lifted out of a decade of appellate reversals and written into the statute. If you learned Michigan no-fault before 2019, you learned a system that no longer exists.
PIP tier
Who may take it
The catch
Unlimited
Anyone
⚠ THE DEFAULT. Make no election and this is what you have.
$500,000
Anyone
Excess attendant-care rider must be offered.
$250,000
Anyone
Excess attendant-care rider must be offered.
$50,000
⚠ Medicaid-gated
Not open to everyone. Transportation network company drivers may not select it.
ANTI-STACKING — THE HIGHEST SINGLE AVAILABLE LIMITWhere more than one policy could respond, the recovery is the highest single available limit, not the sum. ⚠ And a household member’s entitlement is fixed by somebody else’s election — verify the tier from the policy before you reserve anything.
💵
The fee schedule is a percentage of Medicare — and the current escalator is never in the statute
MCL 500.3157, three tiers: • 190% of Medicare — general providers • 220% — indigent-volume providers • 230% — trauma centers, pre-stabilization
Where Medicare publishes no rate, the benchmark becomes a percentage of the provider’s 1 January 2019 charge — escalated. ⚠ The escalator is currently +16.38%, effective 2 July 2026 to 1 July 2027, per DIFS Bulletin 2026-09-INS. It moves annually and it is never printed in the statute.
⚠ HB 5980 of 2026 would amend §3157 and has not passed either chamber. It is not law.
🏠
56 hours a week — Michigan imports the NUMBER from workers’ compensation, but not the CLASS
MCL 500.3157(10) caps in-home attendant care at the hourly limit in MCL 418.315 of the Worker’s Disability Compensation Act — 56 hours per week.
⚠ But 418.315’s own cap reaches only spouse, brother, sister, child, parent. MCL 500.3157(10) borrows the number and applies it to a materially wider group: any relative, any household member, and any pre-injury business or social acquaintance.
A cousin, a roommate or a family friend is capped in no-fault and would not be under 418.315’s own terms. Sources that call it a “family member” cap understate its reach.
⚠ And it is a FLOOR, not a ceiling — an insurer may contract to pay more.
ALL CALENDAR DAYS
No-fault clock
Length
The words that matter
PIP overdue
30 DAYS
From reasonable proof of the fact and amount of loss — MCL 500.3142. Interest 12% simple from day 31.
Late-bill rule
90 DAYS
⚠ A bill submitted late buys the insurer 60 extra days. The provider’s delay moves your deadline, not just theirs.
Notice of injury
1 YEAR
From the accident.
One-year-back rule
ROLLING
Recovery runs back one year from filing, from the most recent loss incurred. It survived the 2019 reform intact.
2019 tolling
—
A specific claim is tolled until formal denial, conditioned on reasonable diligence.
Property protection benefits
1 YEAR FLAT
⚠ Not rolling. Different rule, same chapter.
THE TORT THRESHOLD, AND THE MINI-TORTDeath · serious impairment of body function · permanent serious disfigurement, with the definition codified at MCL 500.3135(5) after McCormick, Docket 136738, Michigan Supreme Court, 31 July 2010, overruled Kreiner. ⚠ The mini-tort is $3,000, keyed to the accident date, and reaches only the uninsured portion of the damage.
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UM and UIM in Michigan are ENTIRELY contractual — and the proof is a repealed section number
Michigan’s uninsured motorist statute was repealed in 1973, and the section number was handed to something else.
That is why a search for “MCL 500.3010” returns live text about an unrelated subject and looks like it confirms a UM statute. It does not. UM and UIM coverage in Michigan is governed by the policy — there is no statutory floor, no mandatory offer requirement to recite, and no statutory stacking rule.
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Michigan writes its OWN fire policy — and a repealed section still sets the floor
Michigan does not adopt the New York 1943 standard form. MCL 500.2833(1) runs (a) through (s) — note that it does not stop at (q); (r) is subrogation and (s) is the 12:01 a.m. inception hour.
The former Michigan form at MCL 500.2832 was repealed by 1990 PA 305. ⚠ And §2833(2) still imports it: a policy “shall contain, at a minimum, the coverage provided in the standard fire policy under former section 2832.”
A repealed section that still sets the coverage floor is a genuine outlier — and a researcher who reads only the repeal will understate the coverage. Loss is payable within 30 days after receipt of proof of amount of loss under (1)(p).
THE GUARANTY CAP HAS TWO HOLES IN ITMCL 500.7925(6) caps a covered claim at an indexed $5,000,000 — excluding “that portion of a claim, other than a worker’s compensation claim or a claim for personal protection insurance benefits under section 3107” above it. ⚠ Workers’ compensation and no-fault PIP are not capped at all. On an unlimited-PIP file from an insolvent carrier the answer is the whole benefit, not five million. Filing deadline is the receivership bar date, not a Michigan number; net-worth bar $25,000,000; no claimant deductible; coverage continues 30 days maximum.
WORKERS’ COMPENSATION — 14 DAYS IS THE ONE THAT GETS MISSEDThe claimant gets 90 days to notice (excused absent prejudice) and 2 years to claim. You get 14.MCL 418.801(1) makes compensation due “on the fourteenth day after the employer has notice or knowledge” — and on that same day R 408.33 requires Form WC-107 if the claim is disputed. ⚠ Miss it with no dispute on file and $50 a day starts at day 31, to a $1,500 ceiling. Rate for 2026: 80% of after-tax AWW, maximum $1,201.00 against a $1,333.88 state average weekly wage.
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Top Exam Tips — Michigan Adjuster Regulations
1. TWO CREDENTIALS, THREE LINES — and the firm is registered, not licensed. 2. READ THE NOUN. Chapter 12 is shared; §1204c(16) defines “producer” as “a life-health agent or property-casualty agent” — which is why adjuster CE is zero. 3. THREE EXAMINATIONS. 16-70 public adjuster at 71%; 16-71 and 16-72 at 70%. Percentages, not scaled scores. 4. 31 MARCH statewide — and no statute fixes the date. 5. NO CLAIMS REGULATION. §2026 gives 14 acts and zero numbers; §2006 gives 30 / 60 / 12% from day 61, all calendar. 6. MICHIGAN’S STATUTE DOES NOT SAY “GENERAL BUSINESS PRACTICE.” It says “other than isolated incidents … a persistent tendency.” 7. NO FIRST-PARTY BAD-FAITH TORT (Kewin) — and “reasonably in dispute” does not defeat first-party interest (Nickola). 8. THE MCPA ROUTE CLOSED 28 MARCH 2001.Smith v Globe Life predates it. 9. PIP IS A MENU — and unlimited is the default. Fee schedule 190 / 220 / 230. Attendant care 56 hours, wider class than comp’s. 10. TWO 12% CLOCKS — §2006 from day 61, §3142 from day 31. 11. UM AND UIM ARE CONTRACTUAL — the statute was repealed in 1973 and its number reassigned. 12. §2832 IS REPEALED AND STILL SETS THE FLOOR through §2833(2). 13. GUARANTY: WC AND PIP ARE EXEMPT FROM THE $5M CAP; the filing deadline is the receivership bar date. 14. COMP: 90 / 2 YEARS / 14 DAYS — and the 14 is yours.
Ten Michigan fact patterns — the traps, not the definitions. Each turns on a place where Michigan answers a national assumption backwards, or where the number you need sits in a different section family from the one the question names. Read the feedback even when you are right.
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