DIFS Insurance Agent Database
How Do I
The Facility is an
organization designed to provide auto insurance to any qualified person who is
unable to obtain insurance in the voluntary market. Buying coverage through the
Facility should be the last resort. Most people can obtain
coverage through insurance companies in the voluntary market. Rates vary from
one company to another, so it is a good idea to shop around. If you are refused
insurance or charged a high rate, check with other companies or try several
agents. Be sure you are comparing the same limits of insurance and the general
and Servicing Carriers.
However, if you are turned down for coverage in the voluntary market, you may
apply for coverage in the Facility through any licensed Michigan agent who is
appointed by an insurance company writing auto casualty insurance in Michigan.
Check the Yellow Pages under Insurance to find an agent in your area or
the Insurance Agent Database at DIFS (link above).
For more infomation about insurance in the regular market, see
A Consumer's Guide to No-Fault Automobile Insurance in
Michigan in the Michigan Insurance Division's web site. For
the Insurance Division's publication about the MAIPF, see
Once you have found an agent, you may request which servicing carrier you want
to issue and service your policy. Please keep in mind that we try to make
assignments according to your preference whenever possible. However, we must
abide by the contractual agreements made with our servicing carriers.
The Facility recognizes the insurance agent that submits your application as a producer
of record. Please be aware that the producer of record is not acting
on behalf of the Facility or any insurance company, but is acting on your
After we receive your application from your producer of record, we then forward
it to the servicing carrier. The servicing carrier will issue the policy using
Facility rules and rates, handle premium billings, make mid-term endorsements,
and handle claims.
For more information, see Policyholders
For further information about the availability of automobile
insurance in Michigan, refer to the Michigan Department of Insurance and
Financial Services web site at
Insurance Agent Database Available
Insurance agent and agency information
is searchable by zip code or city at
(under "Who We Regulate")
. Consumers can verify that an insurance agent is licensed, review which
insurance companies the agent is appointed to sell insurance for, and confirm
what type of insurance the agent is licensed to sell. All of this information
is also accessible by calling DIFS toll free at 877-999-6442.
This web-based searchable database, which is updated on a daily basis, also
provides important information for insurance agents and companies. Verification
of current license status, appointment, and continuing education information is
immediately accessible to the insurance industry.