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

Mich. Comp. Laws § 500.2123 (2026)

Termination of insurance; delivery or mailing of notice; contents of notice; effective date of termination; conformity with underwriting rules; violation of chapter 32 not authorized.

✓ current as of July 2026
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THE INSURANCE CODE OF 1956


Act 218 of 1956


500.2123 Termination of insurance; delivery or mailing of notice; contents of notice; effective date of termination; conformity with underwriting rules; violation of chapter 32 not authorized.

Sec. 2123.

    (1)  Except as provided in subsection (2) or (3), a termination of insurance shall not be effective unless the insurer, at least 30 days prior to the date of termination, delivers or mails to the named insured at the person's last known address a written notice of the termination. The notice shall state the effective date of termination and each specific reason for the termination.

    (2) A notice of termination mailed or delivered within the first 55 days after the initial issuance of a policy may be made effective not less than 20 days after the date of mailing or delivery of the notice.

    (3) A notice of termination for nonpayment of premium shall be effective as provided in the policy.

    (4) A termination of insurance shall not be effective unless the termination is due to reasons which conform to the underwriting rules of the insurer for that insurance.

    (5) This section shall not authorize an insurer to terminate an automobile insurance policy in violation of chapter 32.

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

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Act 218

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Essential Insurance

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No-Fault Insurance
Notes of Decisions
Cited in 8 cases (3 in the last 5 years), 1986–2026 · leading case: Heniser v. Frankenmuth Mut. Ins., 534 N.W.2d 502 (Mich. 1995).
Sort: Relevance Newest Treatment
Heniser v. Frankenmuth Mut. Ins., 534 N.W.2d 502 (Mich. 1995). · cites it 2× “[MCL 500.2123; MSA 24.12123.] [20] See n 17.”
Marks One Car Rental, Inc. v. Auto Club Grp. Ins., 55 F. Supp. 3d 977 (E.D. Mich. 2014). “2122) and “Termination of Insurance” (MCL 500.2123), which indicates that the next section’s immunity for statements pertains to these topics only.”
Lewis v. Farmers Ins. Grp., 397 N.W.2d 297 (Mich. Ct. App. 1986). “2220(k), MCL 500.2123; MSA 24.12123, MCL 500.3224(2); MSA 24.”
Thomas Vanduinen v. Skiba Ins. Servs. (Mich. Ct. App. 2023). · cites it 4× “116(C)(10), claiming that it complied with the policy provisions and MCL 500.2123 for cancellation of the policy.”
Cynthia Jackson v. John Doe (Mich. Ct. App. 2024). · cites it 2× “” MCL 500.2123(3). “A termination of insurance shall not be effective unless the termination is due to reasons which conform to the underwriting rules of the insurer for that insurance.”
Secura Ins. v. Joy B Thomas (Mich. Ct. App. 2015). · cites it 3× “2123 pertains to the cancellation of insurance policies, and provides, in pertinent part: (1) Except as provided in subsection (2) or (3), a termination of insurance shall not be effective unless the insurer, at least 30 days prior to the date of termination, delivers or mails…”
Secura Ins. v. Joy B Thomas (Mich. Ct. App. 2015). · cites it 3× “2123 pertains to the cancellation of insurance policies, and provides, in pertinent part: (1) Except as provided in subsection (2) or (3), a termination of insurance shall not be effective unless the insurer, at least 30 days prior to the date of termination, delivers or mails…”
Michigan Pain Mgmt. v. Progressive Marathon Ins. Co (Mich. Ct. App. 2026). “MCL 500.2123 governs termination of insurance and related notice requirements, providing, in pertinent part: (1) Except as provided in subsection (2) or (3), a termination of insurance shall not be effective unless the insurer, at least 30 days prior to the date of termination,…”
— Mich. Comp. Laws § 500.2123(2) — 1 case
Thomas Vanduinen v. Skiba Ins. Servs. (Mich. Ct. App. 2023). “116(C)(10), claiming that it complied with the policy provisions and MCL 500.2123 for cancellation of the policy.”
— Mich. Comp. Laws § 500.2123(3) — 1 case
Cynthia Jackson v. John Doe (Mich. Ct. App. 2024). “” MCL 500.2123(3). “A termination of insurance shall not be effective unless the termination is due to reasons which conform to the underwriting rules of the insurer for that insurance.”
— Mich. Comp. Laws § 500.2123(4) — 1 case
Cynthia Jackson v. John Doe (Mich. Ct. App. 2024). “” MCL 500.2123(3). “A termination of insurance shall not be effective unless the termination is due to reasons which conform to the underwriting rules of the insurer for that insurance.”
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