Michigan

Government agency

Michigan Department of Insurance and Financial Services

Takes consumer complaints against insurance companies, answers coverage questions and licenses insurers operating in Michigan.

Run Point.

What it is

DIFS is the state department that regulates insurance companies in Michigan. Among other things, it takes complaints from consumers about how an insurer has handled a claim.

When it is useful

File with DIFS when an insurer will not answer you, has cut off benefits without explaining why, or is behaving in a way that looks like it breaks the rules rather than simply disagreeing with you. A complaint creates a record and forces the insurer to respond in writing to a regulator.

What it will not do

DIFS regulates the company. It does not act as your lawyer, it does not decide the value of your claim, and filing a complaint does not stop a deadline from running on a lawsuit.

DIFS regulates insurers. It cannot represent you, award you benefits, or extend any legal deadline that applies to your claim.

  • Policy number and declarations page
  • The claim number the insurer assigned
  • Any denial or cutoff letter, with the reason the insurer gave
  • Dates of the calls and letters you have already sent

Back to all Michigan resources

How to reach them

DIFS consumer hotline

(877) 999-6442

michigan.gov/difs

This organization is independent of Mungo Law. Listing it here is not an endorsement, a referral arrangement, or a guarantee that they can help with your situation. Contact them directly to confirm current services, hours and eligibility.

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