{"id":1499,"date":"2024-11-13T13:39:05","date_gmt":"2024-11-13T18:39:05","guid":{"rendered":"https:\/\/senatedems.com\/cavanagh\/?p=1499"},"modified":"2024-11-13T13:39:07","modified_gmt":"2024-11-13T18:39:07","slug":"sen-cavanagh-champions-legislation-to-strengthen-enforcement-of-insurance-regulations-better-protect-michigan-consumers","status":"publish","type":"post","link":"https:\/\/dev.senatedems.com\/cavanagh\/2024\/11\/13\/sen-cavanagh-champions-legislation-to-strengthen-enforcement-of-insurance-regulations-better-protect-michigan-consumers\/","title":{"rendered":"Sen. Cavanagh Champions Legislation to Strengthen Enforcement of Insurance Regulations, Better Protect Michigan Consumers"},"content":{"rendered":"\n[et_pb_section fb_built=&#8221;1&#8243; theme_builder_area=&#8221;post_content&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221;][et_pb_row _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; type=&#8221;4_4&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; theme_builder_area=&#8221;post_content&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<div data-ogsc=\"black\">LANSING, Mich. (Nov. 13, 2024) \u2014 Today, Sen. <b>Mary Cavanagh <\/b>(D-Redford Twp.) introduced a comprehensive bill package to ensure greater accountability and transparency in the insurance industry and better serve millions of Michigan consumers. Cosponsored by Sens. <b>Rosemary Bayer <\/b>(D-West Bloomfield), <b>Veronica Klinefelt <\/b>(D-Eastpointe), and <b>Stephanie Chang <\/b>(D-Detroit), Senate Bills <span data-ogsc=\"rgb(0, 0, 255)\"><u><a href=\"https:\/\/www.legislature.mi.gov\/Bills\/Bill?ObjectName=2024-SB-1087\" id=\"OWA9593c6f0-97b0-ea90-521b-7214edbff471\" class=\"x_Hyperlink x_HyperlinkGateOff x_SCXW151275864 x_BCX8 x_OWAAutoLink\" data-auth=\"NotApplicable\" data-ogsc=\"rgb(0, 0, 255)\" title=\"https:\/\/www.legislature.mi.gov\/Bills\/Bill?ObjectName=2024-SB-1087\" data-outlook-id=\"f82bba7b-1260-4851-8235-ba191e701013\">1087<\/a><\/u><\/span>&#8211;<span data-ogsc=\"rgb(0, 0, 255)\"><u><a href=\"https:\/\/www.legislature.mi.gov\/Bills\/Bill?ObjectName=2024-SB-1090\" id=\"OWA7710658c-f753-fff7-1ad8-a5dfcba56eac\" class=\"x_Hyperlink x_HyperlinkGateOff x_SCXW151275864 x_BCX8 x_OWAAutoLink\" data-auth=\"NotApplicable\" data-ogsc=\"rgb(0, 0, 255)\" title=\"https:\/\/www.legislature.mi.gov\/Bills\/Bill?ObjectName=2024-SB-1090\" data-outlook-id=\"880cd2bb-c59e-4910-a0b0-76d7f518c7c3\">1090<\/a><\/u><\/span> work to bolster the Michigan Dept. of Insurance and Financial Services\u2019 (DIFS) enforcement of insurance code regulations and expand the department\u2019s ability to discipline offenders.\u00a0<\/div>\n<div data-ogsc=\"black\">\u00a0<\/div>\n<div data-ogsc=\"black\">\u201cAs lawmakers, one of our top responsibilities is to protect the people and communities that we represent \u2014 this bill package achieves exactly that by strengthening insurance regulations and penalties for bad actors who take advantage of Michigan insurance consumers,\u201d said Sen. <b>Cavanagh<\/b>. \u201cAs Chair of the Committee on Finance, Insurance, and Consumer Protection, I\u2019m confident that this legislation will create a more transparent, equitable insurance system for our residents \u2014 and I\u2019m proud of our unwavering efforts to continue placing the hardworking people of our state first and foremost, the way it should be.\u201d\u00a0<\/div>\n<div data-ogsc=\"black\">\u00a0<\/div>\n<div data-ogsc=\"black\">DIFS plays a crucial role in holding insurers accountable to Michigan consumers, but current law limits the department\u2019s ability to effectively enforce violations. Senate Bills 1087-1090 address these limitations and further enable DIFS to issue punishments and regulate the actions of insurers. More specifically:\u00a0<\/div>\n<div data-ogsc=\"black\">\u00a0<\/div>\n<ul>\n<li data-ogsc=\"black\">\n<div>Senate Bill 1087 (Cavanagh) increases civil penalties for violations of the insurance code;\u00a0<\/div>\n<\/li>\n<li data-ogsc=\"black\">\n<div>Senate Bill 1088 (Bayer) expands penalties for insurers that pay claims late;\u00a0<\/div>\n<\/li>\n<li data-ogsc=\"black\">\n<div>Senate Bill 1089 (Klinefelt) amends the insurance code to prohibit post-claim underwriting;\u00a0<\/div>\n<\/li>\n<li data-ogsc=\"black\">\n<div>Senate Bill 1090 (Chang) amends the insurance code to require insurers to comply with utilization reviews.\u00a0<\/div>\n<\/li>\n<\/ul>\n<div data-ogsc=\"black\">\u201cMichigan residents deserve an insurance system they can rely on,\u201d said Sen. <b>Klinefelt<\/b>. \u201cThis legislation will better protect consumers from unfair practices, such as post-claim underwriting, that undermine trust in our insurance system.\u201d\u00a0<\/div>\n<div data-ogsc=\"black\">\u00a0<\/div>\n<div data-ogsc=\"black\">\u201cInsurance provides Michigan consumers with peace of mind, knowing they have safeguards in place if and when disaster strikes,\u201d said Sen. <b>Chang<\/b>. \u201cYet, for too long, some insurers in our state have been able to get away with policy malpractice and violation of state regulations, ultimately harming Michigan residents in the process. By mandating insurers to comply with DIFS&#8217; orders, my bill would help ensure Michigan residents can access the full range of coverage and care they need.\u201d\u00a0<\/div>\n<div data-ogsc=\"black\">\u00a0<\/div>\n<div data-ogsc=\"black\">Senate Bills 1087-1090 have been referred to the Senate Committee on Finance, Insurance, and Consumer Protection where they currently await further deliberation.\u00a0\u00a0<\/div>\n<div data-ogsc=\"black\">\u00a0<\/div>\n<div data-ogsc=\"black\" style=\"text-align: center;\">###<\/div>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"<p>LANSING, Mich. (Nov. 13, 2024) \u2014 Today, Sen. Mary Cavanagh (D-Redford Twp.) introduced a comprehensive bill package to ensure greater accountability and transparency in the insurance industry and better serve [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":1503,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[5],"tags":[],"class_list":["post-1499","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-press-release"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.4 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Sen. Cavanagh Champions Legislation to Strengthen Enforcement of Insurance Regulations, Better Protect Michigan Consumers - Senator Mary Cavanagh<\/title>\n<meta name=\"description\" content=\"Today, Sen. 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