Updated 06/11/2025
Data is being collected to fulfill the requirement from the DIFS budget for FY 2025, Public Act 121 of 2024, article 7, part 2, section 401, requiring DIFS to study and report on the effects of the 2019 automobile insurance reform. The information provided will be used to determine the impact of the reform.
The deadline for supplying data is June 16, 2025.
Questions may be sent to the email address DIFS-PA21-22@michigan.gov.
DIFS is using Egress to facilitate document transmittal. DIFS must register individual users for access to Egress. You may send questions regarding access to Egress to the email address DIFS-PA21-22@michigan.gov.
This data call only covers private passenger type vehicles (and specifically does not cover antiques, motorcycles, ATVs, etc.). If a company does not write policies covering private passenger type vehicles, they can notify us, and we will consider that notice as their response to the data call.
Yes, reported counts should include claims with no payment.
Yes, report PIP medical and PIP work loss on a combined basis within PIP data. Count exposure once per policy (use maximum exposure between the two coverages or an alternative method to prevent double-counting). For events triggering both PIP medical and PIP work loss coverage, report only one claim count.
Yes, “named insured” refers to the primary policyholder.
Use the ZIP code from the insured's mailing address.
No, the data call only covers private passenger auto coverages.
Yes, “fee schedule savings” includes all savings compared to what the insurer would have paid before the reform. This includes all savings realized through the fee schedule in Section 3157 of the Insurance Code (MCL 500.3157).
If data gross of losses ceded to MCCA or external reinsurers is unavailable, report as missing (0.00).
Yes, this refers to the attendant care rider for coverage of attendant care that exceeds an insured's PIP limit. See MCL 500.3107c(8).
PIP includes medical expenses, lost wages, attendant care, replacement services, medical mileage, home & vehicle modifications, and survivor's loss benefits. Counts should be reported per claim, not per claimant.
Yes, include claims closed without payment.
Report premiums net of claim-free rewards and COVID premium refunds.
Yes, combine all collision types in reporting. Do not report broad, basic, and limited separately.
No, exclude premiums for car rental, extra equipment, guaranteed asset protection (GAP), total loss replacement, and other miscellaneous endorsements from the total premium.
No, only include rate filings that have a direct impact on customer rates. Exclude MCCA assessment-only changes, forms filings, rule filings, or any regulatory change filings without rate impact.
All accident years should be evaluated as of March 31, 2025.
All data should be aggregated by the age of the named insured at the policy's effective date, not the claimant's age.
All data should be aggregated based on the gender of the named insured, not the claimant.
Since not all policies will have claims, please use the marital status of the named insured at the effective date of the policy period.
Only savings from the fee schedule change should be included. Reductions due to additional limits offered should not be included.
Car years should be defined as the proportion of the year during which a policy is in effect for a vehicle.
If rating is based on household age, please use the maximum age in the household.
If gender is not available in the data, it should be summarized and reported as “Missing” in the Gender of Named Insured field.
