MI HB6266

Requires insurers to provide written notice when making material changes to automobile or homeowners insurance policies, with either an explanation of principal factors or a statement of the insured's right to request one in writing.

Insurers must provide clear, specific explanations of material changes that identify the basis for the decision and describe the principal factors most heavily weighted, with a point of contact for discussion.

Prohibits vague explanations such as citing internal standards, scoring system failures, or generalized terms like "poor loss history" or "poor insurance score."

Requires insurers to provide copies of notices and explanations to insurance producers (agents not employed by or captive to the insurer) who represented either the insured or insurer regarding the policy.

Applies to policies issued, delivered, amended, or renewed after January 1, 2026, and does not apply to notices required under the Fair Credit Reporting Act.