State RegulationsMI specificDifficulty 1/5
Michigan's rules on the use and disclosure of insurance information (M.C.L. 500.1371 through 500.1383) restrict the release of which type of information?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
The Michigan Insurance Code's information-privacy provisions, M.C.L. 500.1371 through 500.1383, govern the collection, use, and disclosure of insurance information about individuals that insurers and producers gather in connection with insurance transactions. The protected category is broad, covering policy, application, and claim information rather than just medical records, and disclosure is permitted only within the statutory exceptions or with the individual's authorization.
Why the other options are wrong
- B) The rules cover far more than medical records; application and policy information also falls within the protected category under M.C.L. 500.1371 through 500.1383.
- C) Premium payment history is only one piece of protected information; the rules are not limited to rating-organization exchanges.
- D) The rules protect information gathered in insurance transactions regardless of whether similar facts appear in public records.
Memory hook
Insurance information = policies, applications, and claims in one privacy tent.