CALL FOR A FREE INSURANCE QUOTE TODAY! 755-3000

BLOG

No Fault Reform: PIP Choice

No Fault Reform: PIP Choice – Updated 7/10/2020 4:15PM

Option 1: Unlimited Coverage

This provides the most coverage and is what you currently carried in the state of Michigan prior to the New Michigan Insurance Law. It will pay for all allowable expenses for you, your care, rehabilitation, and recovery.

Option 2: Limited Coverage of $500,000

This is the most your insurance carrier will pay per person per accident for an insured person involved in an auto related accident under the PIP medical coverage. 

michigan-new-insurance-law, michigan-no-fault-reform

Option 3: Limited Coverage of $250,000

This is the most your insurance carrier will pay per person per accident for an insured person involved in an auto related accident under the PIP medical coverage. 

Option 4: Limited coverage of $250,000 with some exclusions

This option allows a named insured or resident relative to exclude PIP medical coverage provided they have qualified medical coverage that is not Medicare and has a deductible lower than $6,000. Anyone choosing to exclude will not have PIP medical coverage and must rely on their qualified medical coverage in the event of an auto related injury.

Option 5: Limited Coverage of $50,000

This is the most your auto insurance carrier will pay, per person, per accident, for the expenses tied to an auto related injury under PIP medical coverage. You can choose this option if you have Medicaid and your spouse and all resident relatives have qualified medical coverage, Medicaid, or coverage under another auto policy that includes PIP at an appropriate limit.

Option 6: No PIP Medical Coverage

This option is available if the named insured has coverage under Medicare Parts A, B and any spouse and all resident relatives have qualified medical coverage or are covered under another auto policy that includes PIP at an appropriate limit.

Be mindful of the limit you choose, and do not assume your other coverages like Health Insurance or Medicare will coverage all your expenses should you experience an auto related injury. Remember, these other policies may have excluded auto related injuries in the past.

For more information talk to your agent or call Michigan Insurance Group for Your New Quote!

GREAT NEWS!

Our agents are happy to help you with your Home Insurance & Auto Insurance needs. But, that’s not all…We can also help you with Motorcycle insurance, RV insurance, Business Insurance and more. Give us a call to find out how we can help! 616.755.3000 or 231.755.3000

More Blog Posts

FREE INSURANCE QUOTE!

When you work with Michigan Insurance Group your dedicated agent will work hard to find the best coverage options for you! Isn’t it time you had more options?

michigan-new-insurance-law, michigan-no-fault-reform

No Fault Reform: Mid-Term Change

No Fault Reform: Mid-Term Change Updated 7/8/2020 3:17PM No Fault Reform July 2, 2020: The new insurance law took affect today! Your insurance carrier must offer one of the following: Offer a mid-term

Close Menu