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In order to opt out of Michigan PIP insurance, drivers must have Medicare (Parts A and B), and all household members must have alternate insurance coverage for car accident injuries.
Andre Clark, 58, of Warren, is among the 11% of Michigan drivers — and 17% in Wayne County — who have chosen to drop PIP coverage, an option that didn't exist before the new law.
Michigan auto insurance policies also come with the unlimited PIP medical option as the default coverage limit; however, there are a total of six PIP options to choose from: Unlimited coverage Up ...
Personal injury protection (PIP) is an extension of car insurance available in some U.S. states that covers medical expenses and, in some cases, lost wages and other damages. PIP is sometimes referred to as "no-fault" coverage , because the statutes enacting it are generally known as no-fault laws, and PIP is designed to be paid without regard ...
On January 17, 2013, Governor Rick Snyder ordered that the Office of Financial and Insurance Regulation (OFIR) be transfer out of the Michigan Department of Licensing and Regulatory Affairs to form a new principal department, the Michigan Department of Insurance and Financial Services, effective March 19, 2013. [3]
In 2019, the Michigan Legislature changed the state’s no-fault auto insurance law so that drivers will no longer be required to purchase unlimited medical coverage. [12] Instead, under the PIP Choice system that was enacted, drivers have the choice of selecting medical coverage with limits of $50,000 (for drivers on Medicaid), $250,000 ...
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Minimum insurance requirements: Drivers must carry at least a minimum of 50/100/10 liability insurance, Personal Injury Protection (PIP) and Property Protection Insurance (PPI). The state’s ...