Michigan law
Insurance Disputes Laws in Michigan.
Michigan insurance law is intertwined with the state's unique no-fault auto regime. Insurance disputes often involve PIP benefits, Uniform Trade Practices Act penalty interest, and bad-faith claims handling. Michigan follows an "objectively reasonable" standard for first-party bad faith claims. DIFS regulates insurers and handles complaints. Insurance policy interpretation follows plain-meaning rules.
Last verified: 2026-04-17
State law
Key Michigan Statutes
Insurers who fail to pay claims in a timely manner may owe 12% simple interest on overdue benefits. The "reasonable investigation" standard governs.
PIP covers reasonable medical expenses, 85% of lost wages (up to 3 years), replacement services, and survivor benefits. Disputes frequently involve "reasonably necessary" medical care and attendant care rates.
A court may award reasonable attorney fees to a no-fault claimant if the insurer unreasonably refused to pay or unreasonably delayed.
Comprehensive insurance regulatory framework administered by DIFS covering licensing, rate approval, solvency, unfair trade practices, and consumer protection.
State law
Official Sources
Not Legal Advice
This page summarizes publicly available statutes and rules for informational purposes only. It does not constitute legal advice, and no attorney-client relationship is created by viewing this content. Laws change — always verify with the primary source or consult a licensed attorney in Michigan.
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