Michigan Claims Compliance

Key regulatory requirements, correspondence deadlines, and mandated forms for Michigan (MI).

Quick Reference

Key Deadlines

Acknowledgment
PROMPTLY
Accept/Deny
REASONABLE
Investigation
PROMPTLY
Payment
60 calendar days
Status Updates
No specific statutory or regulatory requirement found

Requirements

  • Mandated Forms
  • Catastrophe Rules
  • Separate P&C / Life & Health
  • Fraud Warning
  • Depreciation Notice
  • E-Delivery (with_consent)

Regulatory Authority

Michigan Department of Insurance and Financial Services (DIFS)

Phone: 877-999-6442; Website: www.michigan.gov/DIFScomplaints; Email: [email protected]; Address: Department of Insurance and Financial Services, Office of Consumer Services, PO Box 30220, Lansing, MI 48909-7720 (Mailing) or 530 West Allegan St., Lansing, MI 48909 (Physical)

Bad Faith: Uniform Trade Practices Act, MCL 500.2001 et seq.

Key Statutes

  • Insurance Code of 1956, MCL 500.100 et seq.
Last reviewed: April 1, 2026

Michigan handles claims correspondence according to specific state regulations. Requirements vary depending on the line of business and specific claim circumstances.

Acknowledgment

Every claim must be acknowledged within 15 days of receipt. The acknowledgment should identify the insurance policy and coverage at issue.

Denial

A written denial must be issued within 30 days. The denial must reference the specific policy provisions, conditions, or exclusions relied upon.

Statutory Language

No specific statutory language mandated beyond standard disclosures.

Applicable Letter Templates

No letter templates currently found for this jurisdiction.