Automobile Insurance Study

The Michigan Department of Insurance and Financial Services (DIFS) issued a Request for Proposal (RFP #250000000457) on November 22, 2024, for an automobile insurance study examining the effects of the 2019 automobile insurance reform legislation. The contractor will be responsible for gathering and analyzing comprehensive data from an estimated 75 to 200 insurance carriers writing business in Michigan to assess the reform's impact on costs, participants, demographics, access to care, access to providers, and total impact on insured accident victims and long-term care providers. Key deliverables include a first draft report due by August 16, 2025, and a final report by September 16, 2025, with the contract period running from February 3, 2025, through September 30, 2025. The contractor must develop representative sampling methodologies for analyzing rates across both foreign and domestic carriers and produce a report suitable for public online posting, utilizing rate filing data available through SERFF and carrier contact information provided by DIFS. Required qualifications mandate that bidders must be a university, research institute, or other entity specializing in policy research, and the contractor must provide a dedicated project manager and maintain commercial general liability insurance of $1,000,000. Evaluation criteria allocate 25 points each to product quality, service capabilities, delivery capabilities, and vendor questions worksheet responses, with a minimum threshold of 80 points required to advance to pricing evaluation. Bidders must have submitted written questions by December 2, 2024, with answers posted December 6, 2024, and the proposal deadline is December 13, 2024, at 3:00 p.m. Eastern Time.

This procurement is subject to approval by the State Administrative Board given the contract value equals or exceeds $250,000, though the specific contract amount represents a legislatively appropriated, not-to-exceed figure. There are no identified set-aside designations or restrictions limiting responses based on disadvantaged enterprise status or other categorical limitations beyond the mandatory requirement for university, research institute, or specialized policy research entity qualifications. No incumbent vendors or current contractors are referenced in the available documentation, and no existing infrastructure or technology requiring integration has been identified. The contractor will have discretion in study design and analytical approach, as DIFS has clarified that no baseline data or comparable pre-reform analyses exist within the department, placing full responsibility on the contractor to establish appropriate analytical frameworks and methodologies. Liquidated damages of $5,000 plus $100 per day apply for late or improper completion, with additional service-level agreement penalties for missed deliverables, meetings, and report quality standards. The State will own all work product and associated intellectual property rights as works made for hire, and travel expenses may be incurred for in-person meetings, though travel is not anticipated as a standard project requirement.