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Michigan No-Fault Auto Reform Law

Beginning in June of 2019, people in your household you’ve assumed are covered by your auto policy’s Personal Injury Protection (PIP) might not be covered anymore.  If someone is relying on you for this coverage that isn’t a “named insured” on your auto policy, you should contact your agent.

After July 2, as your auto policies reach their renewal date your insurance company will send you a multi-page document where you can select your new Personal Injury Protection (PIP) option as well as a new liability coverage limit.  These two decisions will have a huge impact on how things go on the worst day of your life – when you or a loved one is seriously injured in an auto accident.  They’ll also impact how much you pay for auto insurance when your policy renews.  We recommend keeping Unlimited PIP and a liability limit of at least $1,000,000.

JOIN US FOR A DISCUSSION ON NO-FAULT AUTO REFORM (SEE DATES BELOW)

‼️UPDATE‼️

Unfortunately, due to COVID-19, we have had to make the hard decision to cancel all of our No-Fault Auto Reform Community Discussions.
If you have any questions about No-Fault, we are available to help you by phone.
Frankenmuth: 989-652-6104
Saginaw: 989-793-2100
Vassar: 989-823-2471
Caro: 989-673-4169
Ortonville: 248-627-2818
We hope you all are staying healthy and safe in your homes during this time.

Our thoughts and prayers go out to those who have been directly affected by this virus and to the health care workers who are on the frontlines in managing it.

Again, thank you for trusting the Rummel Agency with your insurance needs. We pray all of you to stay safe and healthy during this unprecedented time. Feel free to call us if you have any questions.

OUR RECOMMENDATIONS TO BEST PROTECT YOU:

  • KEEP UNLIMITED PERSONAL INJURY PROTECTION (PIP) (SEE VIDEOS 1 & 2)

  • INCREASE YOUR LIABILITY LIMITS (SEE VIDEO 2)

  • CONFIRM STATUS OF RESIDENT RELATIVES (SEE VIDEO 3)

  • GET AN UMBRELLA POLICY

QUESTIONS?? - GET ANSWERS ON OUR FAQ PAGE

Auto Reform FAQs

No-Fault Video Series

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VIDEO 1 (4 minutes)

VIDEO 2 (5 minutes)

VIDEO 3 (6 minutes)

VIDEO 4 (5 minutes)

Helpful Links

Summary of what No-Fault Reform means to Michigan drivers
Why your savings might not be as high as expected

Helpful Documents

PERSONAL INJURY PROTECTION (PIP) vs. YOUR PERSONAL HEALTH PLAN

Information and Questions you should ask yourself when considering your options.

NO-FAULT OVERVIEW – WHAT YOU NEED TO KNOW

Answers to some of our most common questions.

Blogs for you to read and share

Let’s stay in touch

Enter your email to receive future communications on auto reform.
  • This field is for validation purposes and should be left unchanged.

We have a Facebook Group for Auto Reform

Join Group

Auto Insurance Policy Videos