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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Can insurers endorse policies mid-term to add the new limits/coverages?
If the insurer’s system can accommodate such changes, they are permitted to endorse a policy mid-term with the new limits/coverage if the change is effective on or after July 2, 2020 and if requested by the insured. Please note that any such endorsement must be filed and approved by DIFS and reflect all coverage and rating changes that would otherwise be available on a separately issued policy effective on or after 7/2/2020, including but not limited to the new bodily injury limit options, PIP limit options, attendant care riders, new mini-tort limit, and all rates including the new MCCA assessment. In addition, insurers must use their approved bodily injury and PIP selection forms in the same manner as if the policy were being issued or renewed after 7/2/2020.
If an insured requests a PA 21/22-compliant policy and the insurer’s system cannot accommodate a mid-term change, the insurer must offer to cancel and reissue a policy. For more information, please see Bulletin 2020-31-INS.The following question was posted on 10/11/19.
Do the reforms apply to commercial insurance?
Yes. Commercial Auto risks must comply with the changes outlined in all sections modified (except Chapter 21) to the extent they are applicable to Commercial Auto.The following question was posted on 10/22/19.
If I have questions that haven’t been answered here, who can I send them to?
When new questions and responses are added to the site, notification will be sent. Should you have questions or comments about the FAQ, such as suggested content, please contact DIFS through our dedicated email address for all PA 21 and PA 22 information: DIFS-PA21-22@michigan.gov.The following question was posted on 12/06/19.
Attendant Care and the MCCA
DIFS has received many questions about MCCA and Attendant Care reimbursement and reporting. These questions should be directed to the MCCA.
DIFS has received many questions about MCCA and Attendant Care reimbursement and reporting. These questions should be directed to the MCCA.The following question was posted on 10/28/20.
What is considered appropriate documentation to confirm Medicaid enrollment?
Documentation may be in the form of a current Medicaid card. The guide below provides a sample list of Medicaid cards that can be used to show proof of enrollment.