How our department monitors insurance market practices
Insurance Company Contract and Rate Filings
DIFS Prohibition Orders for Consumer Finance and Credit Union.
Licensing - Consumer Finance and Mortgage
Consumer Finance and Mortgage Forms
BIDCO and Anti-Redlining Forms.
Statutes, Rules and Regulations
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Under Michigan's auto insurance law, medical care provided to a person injured in an auto accident must meet certain requirements for medical appropriateness. Auto insurers must establish utilization review programs to make these determinations, which can be appealed by health care providers to the Michigan Department of Insurance and Financial Services (DIFS) Utilization Review (UR) section.
To view the Michigan Complied Laws or Administrative Rules governing Michigan’s Auto Insurance Utilization Review and No-Fault Fee Schedule, please visit Statutes, Rules and Regulations.
To view official Utilization Review orders issued by DIFS please visit Utilization Review Orders.
Please see the DIFS Utilization Review - Frequently Asked Questions page for more information.
Contact Information:
For insurers and health care providers:
DIFS-URAppeals@michigan.gov
Phone: 877-999-6442
For injured persons:
autoinsurance@michigan.gov
Phone: 833-ASK-DIFS (833-275-3437)
Office of Consumer Services - Filing a Complaint with DIFS:
Filing a Complaint with DIFS
Phone: 877-999-6442
Please see DIFS' Auto Insurance Reform Frequently Asked Questions for more information regarding Michigan’s 2019 no-fault auto insurance reform.
