State RegulationsMI specificDifficulty 2/5
A Michigan insured dies while an accident and health claim is pending, and the insurer wants an autopsy performed to determine the cause of loss. Under M.C.L. 500.3420, what does the law provide?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
M.C.L. 500.3420 pairs the physical-examination right with an autopsy right: the insurer may require an autopsy of the insured where it is not forbidden by law, and the insurer bears the expense. This gives the insurer a lawful means to verify the cause of loss while respecting legal prohibitions.
Why the other options are wrong
- A: The statute expressly permits the insurer to require an autopsy, subject only to legal limits.
- C: Neither family consent nor family payment is a statutory condition for the autopsy.
- D: The statute does not restrict the autopsy to a county medical examiner; it simply requires legality and insurer-funded cost.
Memory hook
Autopsy allowed unless the law forbids — and the insurer foots the bill.