Environment
Mixed / Neutral
50%
Benefits
- No direct environmental impact identified
Risks
- No direct environmental impact identified
StateMichiganIntroduced
SB 1129: Insurance: property and casualty; premium discounts; require insurance companies to offer under certain circumstances. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 2132a.
Mary Cavanagh
SB 1129 status: Introduced — SENATE CO-SPONSOR(S) NAMED: STEPHANIE CHANG (updated Aug 26, 2026).
Source
OpenStates
Confidence
Low
Analysis basis
OpenStates summary
01
What this bill does
Official summary alongside an AI-generated read on where it stands and why.
Overall Score
50OUT OF 100
Score:50/100 civic fit
Risk:Moderate Risk
Impact:Moderate Impact 55/100
Earlier scoring method. Reanalyze to use the sector calculation.
Constitutionality75%
Bipartisan50%
Public opinion65%
Bill summary
Mandating premium discounts shifts pricing structures in the property and casualty insurance market, affecting both consumer costs and insurer revenue models.
02
Impact analysis
✦ AI analysisModeled effects across six domains, estimated from bill text and comparable legislation.
Economy
Mixed / Neutral
50%
Benefits
- Potential for lower insurance premiums for consumers
Risks
- Possible upward pressure on non-discounted premiums
- Increased regulatory burden on insurers
Society
Positive outlook
60%
Benefits
- Enhances affordability for policyholders
Risks
- Potential reduction in insurer profitability or coverage availability
Technology Industry
Not scored in this analysis.
Generate analysis again to evaluate this sector.
Civic Accountability
Not scored in this analysis.
Generate analysis again to evaluate this sector.
Public Health & Safety
Not scored in this analysis.
Generate analysis again to evaluate this sector.
03
How trustworthy & consequential it is
Sourcing already shown above, this is what the analysis found worth flagging.
Source
OpenStates
Official bill text or data from OpenStates.
Confidence
Low
Information is limited or incomplete.
Analysis basis
OpenStates summary
Source used for this bill's analysis.
Source note
Regulatory mandates for discounts may result in cost-shifting to other consumer segments
Analysis scope
Analysis based solely on summary abstract
04
Where it stands
Official record- IntroducedCurrent
- CommitteeUpcoming
- Chamber votesUpcoming
- Final agreementUpcoming
- GovernorUpcoming
- EnactedUpcoming
05
How it affects your district
✦ Personalized
Set your location
Add your district to see how this bill may affect your community and who to contact.
Your Representatives
Your representatives appear here once you add your location.
06
Take action
Contact your representatives
Let them know how you feel about this bill.
Share your view
Join the discussion and see what others are saying.
Track this bill
Stay updated on progress and changes.