Back To The Reform Center

Michigan Auto Insurance Reform Checklist

Auto Reform goes into effect on July 2, 2020, and you won’t need to take any action until it’s
time to renew your policy. In the meantime, here are some steps you can take to prepare.

Review your policy

The new law impacts more than just your Personal Injury Protection Allowable Expenses (PIP AE) coverage. Make sure you’re familiar with all the coverages included with your policy, and your current limits — that will help when it comes time to choose your PIP AE limit.

Sign in or Create a new online account to view your policy documents.

Consider protecting your family

Don’t let cost or savings alone determine your choice of PIP limit. Lower coverage limits could expose you to medical bills or lawsuits. If you have savings accounts, a 401k, a home or other valuable assets, too little coverage could put them at risk.

Review your health coverage

The type of health coverage you have may determine the PIP options available to you, and may even allow you to waive PIP coverage.

Check out our Reform Options Planner

This easy-to-use online options planner can help provide information so you can make selections that best fit your needs, budget and situation.

Get a Coverage Review

Find out if you have gaps in your insurance with a free AAA Triple Check®. Determine if you have enough coverage without paying for protections you don’t need.

Learn more about AAA Triple Check®

Reach out to an agent

If you still have questions, an agent will be more than happy to help provide information.

Call 866.573.2906 or Find an Agent Near You

Ready to Take the Next Step?

Talk to an Agent
About Reform

Get a Coverage Review

Find out with a free AAA Triple Check® if there are gaps in your auto insurance.

Insurance underwritten by one of the following companies: Auto Club Insurance Association, Auto Club Group Insurance Company, MemberSelect Insurance Company or non-affiliated insurance companies.

1 Source: © 2018 National Association of Insurance Commissioners (NAIC).
Note: Data as of 2016. Total written premium/liability car years. A car year is equal to 365 days of insured coverage for a single vehicle. The NAIC does not rank state average expenditures and does not endorse any conclusion drawn from these data.

2 Source: Insurance Research Council.

3 Please note that certain PIP coverage options have eligibility requirements that apply to the named insured and all resident relatives and may vary depending on the option. Please see the No-Fault Act for complete details. This summary is being provided for general information purposes only. Subject to regulatory approval. Coverage is subject to eligibility, terms, conditions, exclusions and limitations.

4 Unlimited: Insured may select unlimited PIP AE Coverage with MCCA involvement. This is the coverage required by law in Michigan prior to No-Fault Reform.

5 $250,000 PIP Exclusion: Individuals who qualify for this option will not be charged a PIP premium by their auto insurer. If an individual chooses this option, and they are injured in an automobile accident, their medical benefits will be covered by their Qualified Health Coverage (QHC) provider. Individuals who purchase this option will not be eligible for PIP Allowable Expenses. QHC is health or accident insurance that does not exclude or limit coverage for injuries related to auto accidents and has a deductible of $6,000 or less per person. Insureds who have QHC, or their spouse or resident relative(s) in the same household who have QHC or are enrolled in Medicare Parts A and B are eligible. If not all household residents are eligible, it is still possible to elect this option, with the exclusion applying only to eligible individuals.

6 Allowable Expenses $50,000 – Medicaid Only: Allowable Expenses coverage option for insureds enrolled in Medicaid. A spouse and/or resident relative(s) in the same household must also be enrolled in Medicaid, be enrolled in Medicare Parts A and B, have other PIP Allowable Expenses coverage, or have QHC.

7 Allowable Expenses Opt-out – Medicare Only: In order to choose a $0 limit, insureds must be enrolled in Medicare Parts A and B. However, a spouse and any resident relative(s) in the same household must also be enrolled in Medicare Parts A and B, have other PIP Allowable Expenses coverage, or have QHC. Insureds will be required to provide documentation showing that they, their spouse, and any resident relative(s) are eligible in order to elect this option.

© 2022 AAA, All Rights Reserved