To drive legally in Michigan, state law requires the purchase of no-fault automobile insurance. Driving without insurance is a crime.If attorney fees are contingent, a copy of the written agreement must be filed with the petition, along with a statement setting forth the fees and costs. An adjuster will inspect the damage to your home and offer you a certain sum of money for repairs. Prefatory Note: By adopting this model act in June 1990, the NAIC separated issues regarding unfair claims settlement practices into a free-standing act. Butler explained that, before he makes a demand, he always determines the defendant's liability coverage. No one wants to go to court if resolving an issue without litigation is possible. The insured has the obligation to submit it within a specified time frame, usually 60 days within the state Michigan. Proof of insurance; Date of any Noncompliance Letter;. Date of Review of Insurance Coverage; Date(s) of Follow-up Actions and type(s) of actions.