Michigan
Home, auto and health coverage notes for people in Michigan, with the Michigan Department of Insurance and Financial Services as the regulator.
The insurance posts, sorted by who they are written for.
Michigan requires PIP, property protection, and residual liability on every auto policy. Default BI limits are 250/500; the lowest you can choose is 50/100, plus $10,000 for out-of-state property damage.
If a Michigan insurer denies or drops your auto or homeowners policy, or the premium looks wrong, the Essential Insurance Act sets a complaint path: a company conference, a DIFS review, then a formal appeal.
Michigan homeowners insurance doesn't cover flood. NFIP and private flood policies are available, and most NFIP coverage has a 30-day wait. What is covered and when to buy.
If standard Michigan auto insurers turn you down, a licensed agent can apply to the Automobile Insurance Placement Facility, the state's last-resort auto market. How it works and what to ask.
Michigan's FAIR Plan, the Basic Property Insurance Association, offers last-resort homeowners coverage if you can't find a policy in the regular market. How to qualify and what the policies cover.
Michigan has six PIP medical options, from unlimited coverage to a Medicare opt-out. If you don't choose, the policy defaults to unlimited coverage and you pay that premium.
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