No-Fault Reform

Learn how the changes to Michigan’s No-Fault Auto Insurance could affect you. You now have the ability to choose your level of PIP Medical coverage, which may save you money on your insurance policy.

No-Fault Reform

We know you have questions.

Sometimes it’s helpful to have a one-on-one conversation to get your questions answered. We’ve got you covered there too.


Personal Injury Protection (PIP)

What are my coverage options?

Option 1 - Unlimited (this is still an available option but at a reduced price)
Option 2 - $500,000
Option 3 - $250,000
Option 4 - $250,000 excluding all or some person(s) from PIP Medical
Option 5 - $50,000 (Medicaid option)
Option 6- Medicare Opt Out

How will these changes affect my insurance premiums?

It's important to keep in mind that savings may not be as significant as you might think. Personal Injury Protection (PIP) coverage is only a portion of your auto insurance policy.

When can I change my coverage and at what point could I see savings on my insurance premium?

Changes go into effect in July 2020. However, unless your company will allow you to adjust your policy mid term, you may not see any changes until your renewal.

What are the drawbacks of not having unlimited Personal Injury Protection (PIP)?

By selecting a Personal Injury Protection (PIP) limit other than unlimited, you may lose or not have sufficient coverage for certain benefits including, but not limited to – medical expenses and co-pays, medical equipment, work loss, household replacement services, attendant care, travel expenses, home and vehicle modifications, post-acute care/subacute rehabilitation, chiropractic services, and funeral expenses. Know your options.

When can I change my coverage and at what point could I see savings on my insurance premium?

Changes go into effect in July 2020. However, unless your company will allow you to adjust your policy mid term, you may not see any changes until your renewal.


Bodily Injury (BI) Liability

Are there changes to my Bodily Injury (BI) coverage, as well?

Yes. The minimum BI limit you’re required to carry has increased from $20,000 per person to $50,000 per person, and $40,000 per accident to $100,000 per accident.

What are the drawbacks of not having unlimited Personal Injury Protection (PIP)?

By selecting a Personal Injury Protection (PIP) limit other than unlimited, you may lose or not have sufficient coverage for certain benefits including, but not limited to – medical expenses and co-pays, medical equipment, work loss, household replacement services, attendant care, travel expenses, home and vehicle modifications, post-acute care/subacute rehabilitation, chiropractic services, and funeral expenses. Know your options.

Are there changes to my Bodily Injury (BI) coverage, as well?

Yes. The minimum BI limit you’re required to carry has increased from $20,000 per person to $50,000 per person, and $40,000 per accident to $100,000 per accident.

What are the drawbacks of not having unlimited Personal Injury Protection (PIP)?

By selecting a Personal Injury Protection (PIP) limit other than unlimited, you may lose or not have sufficient coverage for certain benefits including, but not limited to – medical expenses and co-pays, medical equipment, work loss, household replacement services, attendant care, travel expenses, home and vehicle modifications, post-acute care/subacute rehabilitation, chiropractic services, and funeral expenses. Know your options.

Request your quote

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