Michigan Compiled Laws, Chapter 500. Insurance Code of 1956 § 500.2154

(a) Catastrophic event, as declared by the federal or state government.

(b) Serious illness or injury, or serious illness or injury to an immediate family member.

(c) Death of a spouse, child, or parent.

(d) Divorce or involuntary interruption of legally owed alimony or support payments.

(e) Identity theft.

(f) Temporary loss of employment for a period of 3 months or more, if it results from involuntary termination.

(g) Military deployment overseas.

(h) Predatory lending resulting in the foreclosure of, or commencement of proceedings or an action to foreclose, a mortgage of real property owned by the insured or insurance applicant.

(i) Other events, as determined by the insurer.

(a) Require a reasonable written and independently verifiable documentation of the event.

(b) Require the insured or insurance applicant to demonstrate that the event had direct and meaningful impact on the insured's or insurance applicant's credit information.

(c) Require a request to be made no more than 60 days from the date of the application for insurance or the policy renewal.

(d) Grant an exception even if the insured or insurance applicant did not provide an initial request for an exception in writing.

(e) Grant an exception where the insured or insurance applicant asks for consideration of repeated events or the insurer has considered this event previously.