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

Mich. Comp. Laws § 500.3204 (2026)

Refusal to renew policy as cancellation; requisites.

✓ current as of July 2026
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THE INSURANCE CODE OF 1956


Act 218 of 1956


500.3204 Refusal to renew policy as cancellation; requisites.

Sec. 3204.

    (1)  No insurer shall cancel a policy of automobile liability insurance issued after November 1, 1966, in pursuance of their certificate of authority by the department unless the cancellation is effected pursuant to the applicable provisions of this chapter.

    (2) Refusal to renew any policy of automobile liability insurance shall not constitute a cancellation unless the insurer fails to mail, 20 days prior to the termination date of the policy, by first class mail, a notice to the insured that the policy will not be renewed.

History: Add. 1966, Act 342, Eff. Nov. 1, 1966

PopularName Notes:

Act 218
Notes of Decisions
Cited in 10 cases, 1973–2020 · leading case: Shavers v. Attorney Gen., 267 N.W.2d 72 (Mich. 1978).
Sort: Relevance Newest Treatment
Shavers v. Attorney Gen., 267 N.W.2d 72 (Mich. 1978). · cites it 2× “We also note that Chapter 32 of the Insurance Code, MCL 500.3204 et seq.; MSA 24.13204 et seq.”
Titan Ins. Co. v. Hyten, 491 Mich. 547 (Mich. 2012). “Accord United Sec Ins Co, 133 Mich App at 42 (holding that under MCL 500.3204 etseq., “[rjescission is insufficiently similar to cancellation to support the conclusion that the Legislature’s enactment of a statute controlling cancellation of an automobile insurance policy…”
State Farm Mut. Auto. Ins. v. Kurylowicz, 242 N.W.2d 530 (Mich. Ct. App. 1976). “MCLA 500.3204 et seq.; MSA 24.13204 et seq.”
United Sec. Ins. v. Comm'r of Ins., 348 N.W.2d 34 (Mich. Ct. App. 1984). “The commissioner relies on the subsequent enactment of a statute controlling cancellation of automobile insurance polices, MCL 500.3204 et seq.; MSA 24.13204 et seq.”
Slaughter v. Smith, 421 N.W.2d 702 (Mich. Ct. App. 1988). “MCL 500.3204(2); MSA 24.13204(2) provides: Refusal to renew any policy of automobile liability insurance shall not constitute a cancellation unless the insurer fails to mail, 20 days prior to the termination date of the policy, by first class mail, a notice to the insured that…”
Celina Mut. Ins. v. Falls, 249 N.W.2d 323 (Mich. Ct. App. 1976). “Paragraph 1 of § 3204 (MCLA 500.3204; MSA 24.13204) states: "No insurer shall cancel a policy of automobile liabil *135 ity insurance issued after November.”
Dorsey v. Michigan Mut. Liab. Co., 250 N.W.2d 143 (Mich. Ct. App. 1976). “Relying on Davis v Cadillac Mutual Insurance Co, 58 Mich App 170 ; 227 NW2d 275 (1975), the lower court ruled that a notice of cancellation to be effective must be sent by certified mail, return receipt requested, that is, in strict compliance with MCLA 500.3204(1); MSA…”
Rahannie Tackoor v. Duncan William Wheelock (Mich. Ct. App. 2020). “Chapter 32 of the Insurance Code of 1956, MCL 500.3204 through MCL 500.3262, limits the circumstances in which an insurer may cancel an automobile insurance policy, including nonpayment of premiums, the insurer’s determination that the risk is unacceptable, or suspension of an…”
Radford v. Nat'l Indem. Co., 213 N.W.2d 843 (Mich. Ct. App. 1973). “While disputing none of the claims of defendant, she asserts that nonreceipt of the notice kept the policy in force until the date of the accident on August 24, 1967.”
Taevin Travon Johnson v. Metro. Prop. & Cas. Ins Co (Mich. Ct. App. 2015). “MCL 500.3204(2) provides: Refusal to renew any policy of automobile liability insurance shall not constitute a cancellation unless the insurer fails to mail, 20 days prior to the termination date of the policy, by first class mail, a notice to the insured that the policy will…”
— Mich. Comp. Laws § 500.3204(1) — 1 case
Dorsey v. Michigan Mut. Liab. Co., 250 N.W.2d 143 (Mich. Ct. App. 1976). “Relying on Davis v Cadillac Mutual Insurance Co, 58 Mich App 170 ; 227 NW2d 275 (1975), the lower court ruled that a notice of cancellation to be effective must be sent by certified mail, return receipt requested, that is, in strict compliance with MCLA 500.3204(1); MSA…”
— Mich. Comp. Laws § 500.3204(2) — 3 cases
Slaughter v. Smith, 421 N.W.2d 702 (Mich. Ct. App. 1988). “MCL 500.3204(2); MSA 24.13204(2) provides: Refusal to renew any policy of automobile liability insurance shall not constitute a cancellation unless the insurer fails to mail, 20 days prior to the termination date of the policy, by first class mail, a notice to the insured that…”
Radford v. Nat'l Indem. Co., 213 N.W.2d 843 (Mich. Ct. App. 1973). “While disputing none of the claims of defendant, she asserts that nonreceipt of the notice kept the policy in force until the date of the accident on August 24, 1967.”
Taevin Travon Johnson v. Metro. Prop. & Cas. Ins Co (Mich. Ct. App. 2015). “MCL 500.3204(2) provides: Refusal to renew any policy of automobile liability insurance shall not constitute a cancellation unless the insurer fails to mail, 20 days prior to the termination date of the policy, by first class mail, a notice to the insured that the policy will…”
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