Rev. 01/2021
Department of Insurance and
Financial Services
Office of Consumer Services
P.O. Box 30220
Lansing, MI 48909
-7720
Other Sources:
Workers’ Compensation Claims:
Department of Licensing and Regulatory Affairs
Workers’ Compensation Agency
P.O. Box 30016
Lansing, MI 48909
888-396-5041
michigan.gov/wca
Complaints Against a Residential Builder
or Building Contractor:
Department of Licensing and Regulatory Affairs
Bureau of Professional Licensing
P.O. Box 30018 Lansing, MI 48909
517-241-0199
michigan.gov/bpl
Complaints Against Automobile Repair
Facilities or Vehicle Dealer:
Michigan Department of State
Regulatory Monitoring Division Bureau of
Information Security (BIS)
1-888-SOS-MICH (1-888-767-6424)
michigan.gov/sos
Complaints Concerning Warranties:
Attorney General Consumer Protection Division
P.O. Box 30213
Lansing, MI 48909
1-877-765-8388
michigan.gov/ag
Michigan Department of Insurance and Financial Services
DIFS is an equal opportunity employer/program.
Auxiliary aids, services and other reasonable accommodations
are available upon request to the individuals with disabilities.
Visit DIFS online at: Michigan.gov/DIFS or call DIFS toll-free at
877-999-6442.
Guide to Resolving
Insurance Problems
Rev. 01/2021
When You Have a Dispute with an
Insurer or Agent:
Use the attached form to file a complaint with
the Department of Insurance and Financial
Services (DIFS) if you are in a dispute with an
insurer or insurance agent. You may also file
a complaint online at
michigan.gov/DIFScomplaints.
First Contact the Insurer or
Agent:
If you disagree with your insurer or agent,
contact them directly.
• Speak with a company representative
or agent to try to find a solution.
• Explain the problem in a calm,
courteous manner.
• Provide dates, amounts, and as many
related facts as you can.
If you still do not agree with the insurer or
agent, ask them to provide a written
response. Ask them to list the specific rules or
language in the policy that allow them to deny
or exclude coverage, or to include copies of
documents you signed when you applied for
insurance to support their actions.
How DIFS Can Help:
If you are still dissatisfied after contacting the
insurer or the agent, contact DIFS' Office of
Consumer Services to ask questions or to file
a written complaint by completion of this form.
You may also file a complaint online at
michigan.gov/DIFScomplaints.
Your complaint is based on the documents
you submit. Be sure to include all pertinent
information, such as:
• Name of the insurer and/or agent
involved in the dispute.
• Policy and claim numbers.
• Details of any previous contact with
your insurer or agent regarding the
matter.
• Copies of documents that help verify or
explain the problem.
Once you file a complaint, DIFS will respond
to your complaint by doing the following:
• Contacting the insurer, insurance
agency and/or insurance agent to
obtain a written response.
• Confirming the licensees named in
your complaint are performing as
required under your policy and the law.
• Helping you understand options that
may be available to you.
You will receive a copy of all correspondence
received during DIFS' review of your complaint
as well as a letter explaining our findings. If
you have questions, disagree with our
findings, or have additional information that
was not included with your original complaint,
you may submit the information to us for
further review.
Please understand that our complaints are
thoroughly reviewed; however, we may not
be able to provide the exact results you
desire. We hope through our complaint
process we can help you understand the
options available to you and the policy
language or laws that may apply.
What DIFS Cannot Do:
Our authority is limited to the companies
and agents DIFS licenses. We cannot help
resolve disputes with entities we do not
license. DIFS regulates the business of
insurance transacted in Michigan; therefore,
our authority pertains to insurance contracts
issued in Michigan. Complaints involving
out-of-state insurance policies should, in
most cases, be pursued with the state
insurance regulatory agency where the
policy was issued or delivered.
Provider Complaints:
DIFS generally only accepts complaints
from parties involved in the contract, such
as the insured, policyholder, or certificate
holder. Since a health care provider is not a
party to the health care contract, we typically
do not accept complaints from providers.
Public Act 316 of 2002 allows health care
providers to submit a clean claim to DIFS if
they do not receive timely payment from an
insurer for a claim submitted without any
errors. For more information or to obtain a
Clean Claim Report, health care providers
can visit our website
michigan.gov/DIFScomplaints.
FIS 0030 (1/20) Department of Insurance and Financial Services
Michigan law, including PA 218 of 1956 as amended, authorizes the review of
consumer complaints involving insurance and similar products. Completion of this
form is voluntary and helps us review your complaint.
Insurance Complaint Form
Please list events in the order they happened. Attach additional pages if needed. If possible please use letter size paper (8 ½ x 11”) for all attachments.
Details of my complaint:
Documentation relating to your
complaint is important. This
information helps us to
understand details of your
complaint.
Please attach copies of letters
or other documents that will
help us review your complaint.
This includes your proof of
insurance, bills, receipts, a
policy declaration sheet, claim
documents, pictures or other
items that relate to your
complaint.
Always send copies.
Never send original
documents.
Desired outcome:
Please mail your complaint to:
DIFS – Office of Consumer Services
P.O. Box 30220
Lansing, MI 48909-7720
Or fax to: 517-284-8837
Or email to: difscomplaints@michigan.gov
I authorize the Department of Insurance and Financial Services (DIFS) to review and release any information to any
company, agency or licensee involved in this matter. I authorize the insurance company to release all records
(including protected health information) relating to this complaint to DIFS in order to resolve this complaint. I
represent that I have the proper authority to execute this release.
Signature Date signed
My Name
Name of Insurance Company
Address
Name of AGENT or AGENCY (if applicable)
May not apply to every
complaint. Leave blank if this
does not apply.
City
State
Zip Code
Name of INSURED person
Who is covered by the policy?
My Email Address
(By providing your email address you consent to receive DIFS correspondence via email)
Date of service or date of loss
Could be the date of a fire, accident,
or other loss, or the date you received
medical treatment.
Daytime phone number
( )
Alternate phone number
( )
Policy or claim number
*If this is a Health Insurance Complaint, use Health Insurance Complaint Form FIS 2257
Type of
coverage
my
complaint
is about:
Auto
Home or property
Liability
Title
Surety Bond
Life
Annuity
Long-term care
Disability Income
Other_________________________
►
Is this an employer or group plan?
□ Yes □ No
If Yes, enter employer name,
group name or group number: ____________________________________
______________________________________________________________
Have you hired an attorney to represent you in this matter? Yes No
Have you filed a lawsuit in this matter? Yes No