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Michigan Auto Insurance Reform (PIP) Part 1

You’ve probably heard that the Michigan legislature recently passed significant changes to our no-fault auto insurance laws. You may have questions as to what the changes mean for you and your family’s insurance plan.  We have answers and will continue to publish updates over time.

Most of the changes do not take effect until July of 2020 but the first change is effective now.  The reforms revolve around the Personal Injury Protection (PIP) portion of the no-fault policy.  In Michigan, PIP basically means medical payments required as a result of car accidents.  The coverage is expansive though and can cover things such as renovations to a primary residence to make them accessible to the disabled, physical therapy, transportation to medical appointments, etc.

The first amendment clarifies the definition of the insured for PIP coverage to:
•the named insured(s)
•the named insured(s) spouse
•resident relatives (must be both a blood/legal relative and a permanent resident at the primary address)

Common situations that this will directly impact would be a boyfriend/girlfriend, fiance, children that no longer reside in the household of the insured parents, etc.  Those individuals, if uninsured, would be limited to $250,000 medical coverage through an entity called the Michigan Assigned Claims Plan.  Regular coverage has no dollar limit.

If you think you might be affected by these changes (whether you are insured by PKIG or not) please give us a call and we’ll walk you through what you need to know.  If you have any other questions, please call for clarification.  Stay tuned to this space and our social media for further updates and crucial information.

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