Michigan's auto insurance laws are changing regarding Personal Injury Protection (PIP – medical coverage) and Bodily Injury (BI) limits in July 2020, and Meemic will help keep you on track.
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As part of Michigan Auto Insurance Reform, drivers can choose from up to four levels of Personal Injury Protection Allowable Expenses (PIP AE), the coverage that pays for medical coverage if you are injured in an auto accident. Drivers can select from the available coverage options (unlimited, $500k, $250k, and eligible Medicaid enrollees may choose a $50k limit), or may be able to waive PIP AE coverage altogether, based on eligibility and individual needs. Best of all, these options are intended to help you save money on your auto insurance!
Today, Michigan drivers are required by law to have a no-fault automobile insurance policy that includes Personal Injury Protection (PIP) benefits. While several states in the U.S. also have no-fault requirements, Michigan’s no-fault law is unique in that the PIP coverage provides for unlimited medical benefits for the lifetime of the injured person when those injuries result from an auto accident. On July 2, 2020, many changes to the existing no-fault auto insurance law will take effect, including giving Michigan drivers a choice in their level of PIP coverage. Under the new plan, drivers will be able to choose from up to six options for Personal Injury Protection coverage.
Watch video: What is Michigan's no-fault auto insurance reform?
Since 1973, all Michigan automobile insurance policies have had to provide unlimited Personal Injury Protection benefits. If you qualified for PIP benefits because you were injured in an automobile accident, you could get lifetime medical benefits for treatment related to your care, recovery or rehabilitation. It sounded like a great idea at the time — but as health care costs and the frequency of lawsuits continued to rise, it meant that auto insurance costs rose significantly, too. Today, Michigan has the 4th most expensive auto insurance in the country.1 Unsurprisingly, it is also ranked 4th in the U.S. with about 20% of drivers uninsured.2
Watch Video: Why is the law changing in Michigan?
Watch Video: Why is reform happening now?
1Source: © 2018 National A-sociation of Insurance Commissioners (NAIC).
Note: Data as of 2016. Total written premium/liability car years. A car year is equal to 365 days of insured coverage for a single vehicle. The NAIC does not rank state average expenditures and does not endorse any conclusion drawn from these data.
2Source: Insurance Research Council.
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