2025 Senate Bill 545

Insurance: other; underwriting transparency; provide for.

A bill to amend 1956 PA 218, entitled “The insurance code of 1956,” (MCL 500.100 to 500.8302) by adding section 2229.

AI Analysis – Experimental

Senate Bill No. 545 requires insurers in Michigan to provide clear, detailed written notice and explanations to policyholders regarding significant adverse changes to automobile and homeowners insurance policies, thereby increasing transparency and consumer protection.

Introduced in the Senate

Sept. 17, 2025

Introduced by Sen. Mary Cavanagh (D-6) and eight co-sponsors

Co-sponsored by Sens. Rosemary Bayer (D-13), Stephanie Chang (D-3), Dayna Polehanki (D-5), Jeremy Moss (D-7), Veronica Klinefelt (D-11), Sue Shink (D-14), Jeff Irwin (D-15) and Mallory McMorrow (D-8)

Referred to the Committee on Finance, Insurance, and Consumer Protection

Oct. 14, 2025

Reported without amendment

Oct. 15, 2025

Referred to the Committee of the Whole