Many insurers operate on a business model called “delay, deny, and defend.” We call it insurance bad faith. They systematically refuse to pay legitimate claims without a reasonable basis, forcing everyday consumers and small business owners into costly, protracted legal battles just to get the benefits they’ve already paid for.

Learn why we need laws prohibiting insurance bad faith:

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Why should you care?

You pay your premiums expecting peace of mind and protection when disaster strikes, but insurance companies have free reign to exploit their policyholders. Only 7 states do not have bad faith laws prohibiting insurance companies from engaging in these practices. Fortunately, there is a solution in the form of Senate Bill 245, or the Insurance Policyholder Bill of Rights.

Take action now!

Senate Bill 245 will force insurance companies operating in Michigan to uphold the terms of their policies in good faith, while providing policyholders like you with legal recourse when they act in bad faith. The bill also establishes your absolute right to have claims investigated properly, requires prompt payment of valid claims on home, auto, life, and business policies, and ensures you are protected from loss based on your needs, not on an insurance company's profit margins.

Together, we can put an end to the culture of corporate greed that has become the norm with too many insurance companies and demand accountability for their record of exploitation.

Always for your rights,

The Protect MI Families Team

First published in Protect MI Families' newsletter on April 28th, 2026.