Michigan Senate Bill 245: Take Action Against Insurance Bad Faith | Protect Policyholders
Take Action Now: Support Senate Bill 245 to Hold Insurance Companies Accountable
Michigan Insurance Policyholders: TAKE ACTION
Southfield, Mich. --- April 30, 2026
Last week, Nick Andrews, president of the Michigan Association for Justice, wrote an op-ed in TheDetroit News addressing the growing issue of insurance bad faith. In his article, Andrews highlights the urgent need to pass Senate Bill 245 to strengthen consumer protections and hold insurance companies accountable.
Senate Bill 245 is currently in front of the Senate Insurance Committee. Now is the time to act. Take action today by contacting your State Senator and urging them to support this critical legislation.
We are up against powerful lobbying groups, as well as the Michigan Chamber of Commerce, that are working to protect the record-breaking profits of large insurance companies, not consumers.
Use this tool to contact your State Senator today. Just click the TAKE ACTION button and provide your information to email your State Senator directly. Once you have completed this, please share this link with your family, neighbors and friends. Encourage them to stand up for their rights and demand stronger protections against unfair insurance practices.
Why This Matters
When we pay our insurance premiums, we expect coverage when something goes wrong. This includes situations like a car accident, property damage, or a medical emergency. But far too often, policyholders are met with delayed payments, unexplained denials or settlement offers that fall far short of what they’re owed.
Under current Michigan law, insurance companies face little consequence for delaying or denying valid claims. Even when a policyholder is forced to take legal action and ultimately wins, the insurer often only has to pay what it should have paid in the first place. This creates little incentive for insurance companies to act fairly from the start.
Senate Bill 245 would change that by holding insurers accountable for bad faith practices such as unjustified delays, blanket denials without proper investigation and lowball settlement offers. It would also allow policyholders to recover additional damages when they've been harmed by these tactics.
Opponents of the bill argue it could increase premiums or lead to more lawsuits. However, similar protections already exist in most other states, without the negative outcomes the insurance industry often predicts.
At its core, this legislation is about accountability. Policyholders uphold their end of the bargain every day by paying premiums. The law should ensure insurance companies do the same when it matters most.
Read the full article: Michigan Must Protect Insurance Policyholders | Opinion
Contact your State Senator today!
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