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Under MCL 500.2250, before an insurer may deliver a property or casualty policy form in Michigan, the form generally must be:

Q: Under MCL 500.2250, before an insurer may deliver a property or casualty policy form in Michigan, the form generally must be:

Filed with and not disapproved by the DIFS Director — Michigan uses a file-and-use form review under MCL 500.2250. Insurers submit policy forms to DIFS; the Director may disapprove forms that violate the Insurance Code, are misleading, or contain inequitable provisions. Use is permitted unless and until disapproved.

AApproved by referendum of policyholders before any form may be delivered

BRegistered with the Michigan Secretary of State as a legal instrument

CPublished in the Michigan Register for 60 days prior to use

Filed with and not disapproved by the DIFS Director

Why this is the answer

Michigan uses a file-and-use form review under MCL 500.2250. Insurers submit policy forms to DIFS; the Director may disapprove forms that violate the Insurance Code, are misleading, or contain inequitable provisions. Use is permitted unless and until disapproved.

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