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[PRICEWATERHOUSECOOPERS LETTERHEAD]



                                                                    EXHIBIT 23.1

                       CONSENT OF INDEPENDENT ACCOUNTANTS


    We hereby consent to the incorporation by reference in the Registration
Statement on Form S-8 of American Physicians Capital, Inc. of our report dated
February 17, 2000 relating to the financial statements of Mutual Insurance
Corporation Of America and Subsidiaries, which appears in the Registration
Statement (No. 333-41136) on Form S-1 of American Physicians Capital, Inc. dated
December 8, 2000.



/s/PricewaterhouseCoopers LLP
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March 1, 2001