Personal Injury Protection (PIP) and Michigan Auto Insurance Reform

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 (QHC), MEDICAID OR MEDICARE

• $250,000 limit with PIP AE exclusion-QHC⁵ (Excludes PIP AE)
• $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.

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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 AE 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 any PIP AE benefits.  QHC is health or accident insurance that does not exclude or limit coverage for injuries related to auto accidents and has a deductible of $6,579 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.