MI

Michigan Insurance Regulations

Consumer rights and insurance laws in Michigan

Overview

Michigan DIFS oversees one of the most complex auto insurance markets due to its unique no-fault system. The 2019 reform allowed drivers to choose PIP coverage levels for the first time, significantly changing the insurance landscape.

Key Insurance Regulations in Michigan

  • Modified comparative fault — barred at 51% or more fault
  • 3-year statute of limitations for personal injury and property damage
  • No-fault PIP state with reformed PIP benefits (2019 reform)
  • Mandatory auto insurance with choice of PIP coverage levels

Filing an Insurance Complaint in Michigan

If you believe your insurance company has acted unfairly or violated Michigan insurance laws, you can file a complaint with the Michigan Department of Insurance and Financial Services. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Michigan Department of Insurance and Financial Services typically responds to complaints within 30 days.

Michigan Department of Insurance and Financial Services

Insurance Commissioner: Anita Fox

Phone: (877) 999-6442

Website: https://www.michigan.gov/difs

File a Complaint: Consumer Complaint Portal

Diminished value claims in Michigan

Only in limited cases. Michigan's no-fault act abolishes most lawsuits over vehicle damage when the at-fault vehicle was properly insured, leaving the mini-tort: up to $3,000 for crashes after July 1, 2020, for vehicle damage not covered by your own insurance (MCL 500.3135(3)(e)). A mini-tort is barred if you were more than 50% at fault, and the general deadline to sue for injury to property is three years (MCL 600.5805(2)). No Michigan statute addresses diminished value directly.

Read the Michigan diminished value guide

Insurance Claim Guides for Michigan

Browse our detailed insurance claim guides tailored specifically to Michigan laws and regulations.

Auto Insurance Claims in MichiganHome Insurance Claims in MichiganHealth Insurance Appeals in MichiganInsurance Denial Letter Templates in MichiganDemand Letter Guide in MichiganInsurance Settlement Calculator Guide in MichiganDiminished Value Claims in MichiganTotal Loss Dispute Guide in MichiganBad Faith Insurance Claims in MichiganUnderinsured Motorist Claims in MichiganUninsured Motorist Claims in MichiganRental Car Insurance Coverage in MichiganGAP Insurance Claims in MichiganInsurance Subrogation Explained in MichiganPIP (Personal Injury Protection) Guide in MichiganBodily Injury Claims in MichiganProperty Damage Claims in MichiganLiability Claim Process in MichiganComprehensive Insurance Claims in MichiganCollision Insurance Claims in MichiganFlood Insurance Claims in MichiganFire Insurance Claims in MichiganTheft Insurance Claims in MichiganVandalism Insurance Claims in MichiganAuto Glass Insurance Claims in MichiganHail Damage Insurance Claims in MichiganWind Damage Insurance Claims in MichiganWater Damage Insurance Claims in MichiganMold Insurance Claims in MichiganRoof Damage Insurance Claims in MichiganFoundation Damage Claims in MichiganSinkhole Insurance Claims in MichiganEarthquake Insurance Guide in MichiganHurricane Insurance Claims in MichiganTornado Damage Insurance Claims in MichiganLightning Damage Insurance Claims in MichiganTree Damage Insurance Claims in MichiganFence Damage Insurance Claims in MichiganAppliance Breakdown Claims in MichiganIdentity Theft Insurance Claims in MichiganCyber Insurance Claims in MichiganPet Insurance Claims in MichiganTravel Insurance Claims in MichiganLife Insurance Disputes in MichiganDisability Insurance Claims in MichiganWorkers' Compensation Claims in MichiganLong-Term Care Insurance Claims in MichiganDental Insurance Appeals in MichiganVision Insurance Claims in MichiganPrescription Drug Appeals in MichiganAccident Scene Documentation in MichiganInsurance Adjuster Tactics in MichiganDiminished Value Calculator Guide in MichiganTotal Loss Vehicle Valuation in MichiganCCC Valuation Report Explained in MichiganPain and Suffering Calculation in MichiganMedical Bills in Auto Claims in MichiganLost Wages Insurance Claims in MichiganFiling a Bad Faith Insurance Lawsuit in MichiganWhen to Hire a Car Accident Lawyer in MichiganInsurance Claim Timeline Guide in MichiganIndependent Vehicle Appraisal Guide in MichiganAppraisal Clause in Auto Insurance in MichiganDiminished Value by State in MichiganTotal Loss Threshold by State in MichiganRental Car After an Accident in MichiganYour Rights During Car Repairs in MichiganOEM Parts in Insurance Claims in MichiganInsurance Negotiation Tactics in MichiganDemand Package for Auto Claims in MichiganCommon Insurance Claim Denial Reasons in MichiganStatute of Limitations for Auto Claims in MichiganFiling Claims in No-Fault States in MichiganAt-Fault Accident Claims in MichiganComparative Negligence in Claims in MichiganUninsured Motorist Property Damage in MichiganHit and Run Insurance Claims in MichiganParking Lot Accident Claims in MichiganRideshare Accident Insurance Claims in MichiganCommercial Vehicle Accident Claims in MichiganDeer Collision Insurance Claims in MichiganFlood Car Damage Claims in MichiganCatalytic Converter Theft Claims in MichiganCar Break-In Insurance Claims in MichiganTire Blowout Accident Claims in MichiganPothole Damage Insurance Claims in MichiganHail Damage Car Claims in MichiganHow to Review Your Auto Insurance Policy in MichiganAuto Insurance Coverage Gaps in MichiganMulti-Vehicle Accident Claims in MichiganDisputing Fault Determination in MichiganFiling an Insurance Commissioner Complaint in MichiganNegotiating Diminished Value Claims in MichiganFighting a Total Loss Declaration in MichiganBodily Injury Settlement Guide in MichiganInsurance Fraud Prevention Guide in MichiganSubstandard Auto Repair Claims in MichiganTotal Loss Buy-Back Process in MichiganInsurance Claims After a DUI in MichiganCommercial Auto Insurance Claims in MichiganStorage Unit Insurance Claims in Michigan

Other State Insurance Regulations

AL — AlabamaAK — AlaskaAZ — ArizonaAR — ArkansasCA — CaliforniaCO — ColoradoCT — ConnecticutDE — DelawareDC — District of ColumbiaFL — FloridaGA — GeorgiaHI — HawaiiID — IdahoIL — IllinoisIN — IndianaIA — IowaKS — KansasKY — KentuckyLA — LouisianaME — MaineMD — MarylandMA — MassachusettsMN — MinnesotaMS — MississippiMO — MissouriMT — MontanaNE — NebraskaNV — NevadaNH — New HampshireNJ — New JerseyNM — New MexicoNY — New YorkNC — North CarolinaND — North DakotaOH — OhioOK — OklahomaOR — OregonPA — PennsylvaniaRI — Rhode IslandSC — South CarolinaSD — South DakotaTN — TennesseeTX — TexasUT — UtahVT — VermontVA — VirginiaWA — WashingtonWV — West VirginiaWI — WisconsinWY — Wyoming

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