Mich. Comp. Laws » Michigan Compiled Laws / Chapter 500 / Act 218 of 1956
Michigan Compiled Laws

Mich. Comp. Laws § 500.2122 (2026)

Declination of insurance; explanation of reasons; refusal of application form as declination.

✓ current as of July 2026
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THE INSURANCE CODE OF 1956


Act 218 of 1956


500.2122 Declination of insurance; explanation of reasons; refusal of application form as declination.

Sec. 2122.

    (1)  An insurer or agent, upon making a declination of insurance, shall inform the applicant of each specific reason for the declination. If the application or request for coverage was made in writing, the insurer or agent shall provide the explanation of reasons in writing. If the application or request for coverage was made orally, the insurer or agent may provide the applicant with an oral explanation instead of a written explanation, and shall offer to provide a written explanation if the applicant requests a written explanation within 90 days.

    (2) A refusal, by an insurer or agent, to provide upon request an application form or other means of making an application or request for coverage shall be considered a declination subject to this section.

History: Add. 1979, Act 145, Eff. Jan. 1, 1981

PopularName Notes:

Act 218

PopularName Notes:

Essential Insurance

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No-Fault Insurance
Notes of Decisions
Cited in 6 cases, 2008–2015 · leading case: Amerisure Mut. Ins. v. Carey Transp., Inc., 578 F. Supp. 2d 888 (W.D. Mich. 2008).
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Amerisure Mut. Ins. v. Carey Transp., Inc., 578 F. Supp. 2d 888 (W.D. Mich. 2008). “§ 500.2122(1) provides, in pertinent part, that “[a]n insurer or agent, upon making a declination of insurance, shall inform the applicant of each specific reason for the declination.”
Marks One Car Rental, Inc. v. Auto Club Grp. Ins., 55 F. Supp. 3d 977 (E.D. Mich. 2014). “2124 are entitled “Declination of Insurance” (MCL 500.2122) and “Termination of Insurance” (MCL 500.”
Beckett-Buffum Agency, Inc. v. Allied Prop. & Cas. Ins., 873 N.W.2d 117 (Mich. Ct. App. 2015). “…500.1209(5). 2 We note, however, that in some cases, an application or request for insurance may be made orally. See MCL 500.2122(1).”
Joy Mgmt. v. Michigan Basic Prop. Ins. Assn (Mich. Ct. App. 2014). · cites it 5× “2122(1) provides: An insurer or agent, upon making a declination of insurance, shall inform the applicant of each specific reason for the declination. If the application or request for coverage was made in writing, the insurer or agent shall provide the explanation of reasons in…”
Gold v. Consol. Ins. (In Re Romeo Montessori Sch. Ass'n), 450 B.R. 667 (Bankr. E.D. Mich. 2011). · cites it 2× “2d 707, 709 (1999) (citations omitted); see also Mich. Comp. Laws Ann. § 500.2122 (1) (2011) (“An insurer or agent, upon making a declination of insurance, shall inform the applicant of each specific reason for the declination.”
Beckett-Buffum Agency Inc v. Allied Prop. & Cas. Ins. (Mich. Ct. App. 2015). “See MCL 500.2122(1). -3- the insureds’ original policies and that “a signed application was not submitted by or on behalf of” the insureds before the policies were reissued.”
— Mich. Comp. Laws § 500.2122(1) — 4 cases
Amerisure Mut. Ins. v. Carey Transp., Inc., 578 F. Supp. 2d 888 (W.D. Mich. 2008). “§ 500.2122(1) provides, in pertinent part, that “[a]n insurer or agent, upon making a declination of insurance, shall inform the applicant of each specific reason for the declination.”
Beckett-Buffum Agency, Inc. v. Allied Prop. & Cas. Ins., 873 N.W.2d 117 (Mich. Ct. App. 2015). “…500.1209(5). 2 We note, however, that in some cases, an application or request for insurance may be made orally. See MCL 500.2122(1).”
Joy Mgmt. v. Michigan Basic Prop. Ins. Assn (Mich. Ct. App. 2014). “2122(1) provides: An insurer or agent, upon making a declination of insurance, shall inform the applicant of each specific reason for the declination. If the application or request for coverage was made in writing, the insurer or agent shall provide the explanation of reasons in…”
Beckett-Buffum Agency Inc v. Allied Prop. & Cas. Ins. (Mich. Ct. App. 2015). “See MCL 500.2122(1). -3- the insureds’ original policies and that “a signed application was not submitted by or on behalf of” the insureds before the policies were reissued.”
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