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.\u00a0 We have answers and will continue to publish updates over time.<\/p>\n
Most of the changes do not take effect until July of 2020 but the first change is effective now.\u00a0 The reforms revolve around the Personal Injury Protection (PIP) portion of the no-fault policy.\u00a0 In Michigan, PIP basically means medical payments required as a result of car accidents.\u00a0 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.<\/p>\n
The first amendment clarifies the definition of the insured for PIP coverage to:
\n\u2022the named insured(s)
\n\u2022the named insured(s) spouse
\n\u2022resident relatives (must be both a blood\/legal relative and a permanent resident at the primary address)<\/p>\n
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.\u00a0 Those individuals, if uninsured, would be limited to $250,000 medical coverage through an entity called the Michigan Assigned Claims Plan.\u00a0 Regular coverage has no dollar limit.<\/p>\n
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.\u00a0 If you have any other questions, please call for clarification.\u00a0 Stay tuned to this space and our social media for further updates and crucial information.<\/p>\n
(248) 682-7445<\/p>\n
info@philkleininsurance.com<\/p>\n","protected":false},"excerpt":{"rendered":"
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.\u00a0 We have answers and will continue to publish updates over time. Most of the changes do not take effect until July […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-129","post","type-post","status-publish","format-standard","hentry","category-insurance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.philkleininsurance.com\/blog\/wp-json\/wp\/v2\/posts\/129","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.philkleininsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.philkleininsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.philkleininsurance.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.philkleininsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=129"}],"version-history":[{"count":4,"href":"https:\/\/www.philkleininsurance.com\/blog\/wp-json\/wp\/v2\/posts\/129\/revisions"}],"predecessor-version":[{"id":134,"href":"https:\/\/www.philkleininsurance.com\/blog\/wp-json\/wp\/v2\/posts\/129\/revisions\/134"}],"wp:attachment":[{"href":"https:\/\/www.philkleininsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=129"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.philkleininsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=129"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.philkleininsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=129"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}