Insurance Refunds of $400 Are Being Distributed Today in Michigan; Here’s How to Avoid Being Cheated!


While Michigan drivers wait for their $400 vehicle insurance refund check, the state’s top cop is warning them to be on the lookout for any frauds that may arise as a result of the refunds.

“Unfortunately, these returns are likely to attract criminal actors who will use the surplus to commit fraud. Keep in mind that these are automatic payments back into your account. No one will contact, write, or email you for information before releasing the funds “Dana Nessel, the state’s attorney general, made the statement.

“And, if you are approached by someone claiming to require personal information before receiving your $400, be suspicious and report it to my Consumer Protection Team.”

Gov. Gretchen Whitmer stated last year that any Michigan citizen who has a car insured in the state by Oct. 31, 2021, might anticipate a $400 payment in their bank account this spring.

The Michigan Catastrophic Claims Association met its March 9 deadline for disbursing payments from its $5 billion excess, according to the Department of Insurance and Financial Services.

Insurance companies now have until May 9 to deposit those monies into drivers’ bank accounts.

However, according to Nessel, as accessible money begins to be floated back to individuals as it did during the early stages of the epidemic, unscrupulous actors would attempt to steal some as well. Impersonation fraud is one form of scam that might occur during the procedure, according to the attorney general.

Insurance Refunds of $400

A comprehensive list of the most common consumer warnings may be found here. Fake government texts or emails, IRS frauds, lottery or sweepstakes winning letters, collecting on a fictitious debt, or granting fictitious government grants are examples.

Drivers who expect a refund will most likely have the funds put immediately into their bank account. Those who qualify will have one or more automobiles, motorbikes, or recreational vehicles insured in Michigan by October 31. It is expected to arrive on May 9. Refunds will be issued in the form of cheques or ACH deposits.


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They will not be sent in the form of a gift card, discount, or credit against current or future amounts.

If a person feels they are entitled to a refund that does not come before May 9, they should contact their vehicle insurance or agent. Customers can also contact DIFS by phone from 8 a.m. to 5 p.m., Monday through Friday, at 833-ASK-DIFS (833-275-3437), or by email at

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