Michigan No-Fault Auto Reform - How will it affect me? - Emil Rummel Agency - Michigan Insurance Specialists Skip to main content

New Important Decisions for You!

A primary objective of No-Fault Reform was to lower what you pay for Personal Injury Protection (PIP) on your auto policy.  For over four decades we’ve had no choices in to make – we all had Unlimited PIP coverage.  No-Fault Reform has provided five new options that allow us to reduce our PIP coverage or use health insurance plans in place of PIP.  While intended to lower our insurance costs, these new options increase the risk that:

  • Expenses from auto accident injuries won’t be covered by insurance
  • People will turn to the legal system to get their medical bills paid

OUR RECOMMENDATIONS:

    1.  Keep Unlimited PIP
      PIP covers expenses that most health plans usually don’t.  To make a good decision here, you’ll need to compare PIP to your health plan to understand the differences.  For most drivers, there’s no better value for your insurance dollar than Unlimited PIP.
    2.  Talk to your agent about who gets PIP from your auto policy
      Your auto policy doesn’t provide PIP to as many people as it used to.  It’s now limited to named insureds, their spouses, and resident relatives.  You really need to understand how insurance companies decide who is a resident relative and who isn’t!
    3. Purchasing a higher limit of Liability coverage
      If you’re in an auto accident with someone who no longer has Unlimited PIP, they could sue you for their uncovered medical costs.  The odds of being sued are going way up, as will the size of the lawsuits.  Your Liability Coverage protects you from these lawsuits.

New Paperwork Coming Your Way!

To learn more about No-Fault Auto Reform, please watch our videos and read our articles.  Over the next 12 months, you’ll be getting auto policy renewal paperwork, unlike anything you’ve ever seen.  The more you understand about No-Fault Reform, the easier it will be to complete the paperwork and make good decisions.  As always, our team of trusted agents is available to help you!

GET ANSWERS TO YOUR QUESTIONS ON OUR FAQ PAGE:

Auto Reform FAQs

Are you looking for a little bit more detail? Larry explains No-Fault Reform, the benefits of keeping your Unlimited coverage, and what it all means to you.

Watch our No-Fault Videos

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No-Fault Blogs for you to read and share

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Helpful Links

No-Fault Auto Reform Resources for Drivers

Michigan’s New Auto Insurance Law

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.

Let’s stay in touch

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