Michigan No-Fault

Michigan no-fault auto insurance reform took effect on July 2, 2020. 


What is personal injury projection coverage?

Generally speaking, personal injury projection coverage is a component of auto insurance that covers medical expenses of people injured in auto accidents regardless of who caused the crash. Up until now, Michigan required drivers to have PIP coverage with unlimited, lifetime medical coverage, guaranteeing many health and recovery benefits including reimbursement for lost wages, in-home nursing care and specialized medical treatments.

​What are my new coverage options?

As part of the no fault auto insurance reform law that went into effect on July 2, lawmakers created five PIP coverage options, enabling drivers to keep unlimited PIP or choose less coverage.

See Options Below

Unlimited PIP Coverage​

Provides the most coverage.  It will pay for all allowable expenses for your care, recovery, and rehabilitation.

1.

Option

$500,000 of PIP Coverage

$500,000 is the most your auto insurance company will pay per person per accident for an injured person's expenses under PIP medical coverage.

2.

Option

$250,000 of PIP Coverage

$250,000 is the most your auto insurance company will pay per person per accident for an injured person's expenses under PIP medical coverage

3.

Option

$250,000 of PIP

With some or all persons excluded from PIP Medical with qualified health coverage (QHC). A QHC letter from your health insurance company is required.

4.

Option

Limited Coverage of $50,000

Covers injuries resulting from motor vehicle accident up to $50,000.  This is the lowest coverage option you may choose if your medical insurance is through Medicaid.

A copy of your Medicaid card is required.

5.

Option

No PIP Medical

Must have coverage under both Medicare Parts A & B. Any spouse and resident relative covered by the policy must have qualified health coverage (QHC), be covered under Medicare, or be covered by another auto policy with PIP medical.  A copy of your Medicare card is required.

6.

Option