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Michigan Auto Insurance Reform 2020

Here's what you should know.

On July 2, 2020, a new law lets Michigan drivers choose the Personal Injury Protection (PIP) option that best meets their unique needs and budget.

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New PIP Coverage Options

The only coverage available in Michigan today is Unlimited PIP. That will expand in July, 2020. Check out the new PIP medical coverage options and talk to your State Farm® agent to help you figure out which works best for you:

  • Option 1: Unlimited Coverage (this would be the same as you have today)
  • Option 2: Up to $500,000 in coverage
  • Option 3: Up to $250,000 in coverage
  • Option 4: Up to $250,000 in coverage with some or all persons excluded from PIP medical. For instance, you may qualify for this option if you have qualified health insurance. That means your health care policy does not exclude auto injuries and your deductible is not greater than $6000.
  • Option 5: You can choose $50,000 in coverage if you’re enrolled in Medicaid and meet other eligibility criteria.
  • Option 6: PIP Medical Opt-Out. You can choose to have no PIP medical if you have Medicare Parts A & B and again, if you meet other eligibility criteria.

State minimums will also increase for the following coverages:

  • Bodily Injury
  • Uninsured Motorist
  • Underinsured Motorist

These changes will affect pricing. So, review these options with your local agent to get a better understanding of how they might impact your coverage and budget.

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Questions and Answers

The reform mandates lower PIP premiums. So, even if you maintain a high level of PIP coverage, you'll likely see some savings over time.

If you're a lifelong Michigan resident, the new reform presents you with a decision you've never had to make before. Talk it over with your State Farm agent to get a better understanding of the options available to you.

The goal is to choose the level of coverage needed to protect you and your loved ones. Your State Farm agent is there to help answer your questions, but at the end of the day the choice of coverage is up to you.

The reform takes effect July 2, 2020. If you have any questions about the reform or other insurance matters, please contact your local State Farm agent.

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