One of the biggest changes with Michigan’s Auto Insurance Reform Law is that, beginning July 2, 2020, you can choose your Personal Injury Protection Allowable Expenses (PIP AE) coverage, which may save you money.

Personal Injury Protection (PIP AE) helps cover expenses for injuries in an auto accident. PIP coverage is the largest part of your auto insurance premium and usually makes up about half of your total cost. Here are some resources specific to Michigan to help you choose the individual PIP options* for you and maximize your savings.

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Personal Injury Protection FAQs

Starting July 2, 2020, when you renew your auto insurance policy, you’ll need to make a decision on your PIP AE coverage limit.3 Your choices will be:
 
OPTIONS AVAILABLE TO EVERYONE
  • Unlimited4: This is the level you have right now
  • $500,000 limit
  • $250,000 limit
LOWER COST OPTIONS AVAILABLE IF YOU HAVE QUALIFIED HEALTH COVERAGE, MEDICAID OR MEDICARE
  • $250,000 limit with PIP exclusion5 (Based on Meemic Insurance Company’s intended product offerings, individuals who purchase this option will not be eligible for any PIP allowable expenses.)
  • $50,000 limit: Medicaid only6
  • Allowable Expenses Exclusion: Medicare only7
When the time comes to renew your policy, Meemic and your Meemic agent can help provide you information.
3Please note that certain PIP coverage options have eligibility requirements that apply to the named insured and all resident relatives and may vary depending on the option. Please see the No-Fault Act for complete details. This summary is being provided for general information purposes only. Subject to regulatory approval. Coverage is subject to eligibility, terms, conditions, exclusions and limitations.
 
4Unlimited: Insured may select unlimited PIP AE Coverage with MCCA involvement. This is the coverage required by law in Michigan prior to No-Fault Reform.
 
5$250,000 PIP Exclusion: Individuals who qualify for this option will not be charged a PIP premium by their auto insurer. If an individual chooses this option, and they are injured in an automobile accident, their medical benefits will be covered by their Qualified Health Coverage (QHC) provider. Individuals who purchase this option will not be eligible for PIP Allowable Expenses.  QHC is health or accident insurance that does not exclude or limit coverage for injuries related to auto accidents and has a deductible of $6,000 or less per person.  Insureds who have QHC or their spouse or resident relative(s) in the same household who have QHC, or are enrolled in Medicare Parts A and B are eligible. If not all household residents are eligible, it is still possible to elect this option, with the exclusion applying only to eligible individuals.
 
6Allowable Expenses $50,000 – Medicaid Only: Allowable Expenses coverage option for insureds enrolled in Medicaid.  A spouse and/or resident relative(s) in the same household must also be enrolled in Medicaid, be enrolled in Medicare Parts A and B, have other PIP Allowable Expenses coverage or have QHC.
 
7Allowable Expenses Exclusion – Medicare Only: In order to choose a $0 limit, an insured must be enrolled in Medicare Parts A and B. However, a spouse and any resident relative(s) in the same household must also be enrolled in Medicare Parts A and B, have other PIP Allowable Expenses coverage, or have QHC. Insureds will be required to provide documentation showing that they, their spouse, and any resident relative(s) are eligible in order to elect this option.

 

Personal Injury Protection (PIP) helps cover expenses that arise as a result of injuries sustained in an auto accident. In Michigan, PIP covers these expenses regardless of who caused the accident or who is at fault.
 
The main coverage provided by PIP is for “allowable expenses,” also known as PIP AE. Allowable expenses are “reasonable charges incurred for reasonably necessary products, services and accommodations for an injured person’s care, recovery or rehabilitation.”  This includes services like medical expenses, attendant care and nursing. Today in Michigan, your PIP AE coverage is unlimited. That means all of your medical costs are paid for — for as long as they’re necessary for your care, recovery or rehabilitation.
 

Explore Other Michigan Auto Reform Topics

*Your new PIP coverage options are for Allowable Expenses coverage, a component of PIP (PIP AE), that includes but is not limited to medical expenses. Please note that certain PIP AE options have eligibility requirements that apply to the named insured and all resident relatives and may vary depending on the option. Please see the No-Fault Act for complete details. Discounts and savings opportunities subject to eligibility requirements. Coverage is subject to eligibility terms, conditions, expulsions and limitations. Back to top Questions & Feedback