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Bodily Injury and the New Michigan Auto Insurance Reform Law

Bodily Injury (BI) liability covers injuries or damage you cause to other people if you’re in an accident and found to be at-fault.

Today, if you’re at-fault for an auto accident and someone else gets injured, they can make BI claims against you for non-economic damages, such as pain and suffering or excess work loss. As of July 2, 2020, in Michigan, they will also be able to make BI claims for Personal Injury Protection Allowable Expenses (PIP AE) against you if those expenses are higher than their own PIP AE limit.

Bodily Injury Coverage: Things to Consider

Review your limits.

Check with your insurance to learn what your limits are and what's covered under your BI insurance.

Bodily Injury

What is Bodily Injury (BI) coverage?   Arrow-down

What is the difference between Personal Injury Protection (PIP) coverage and Bodily Injury (BI) coverage?   Arrow-down

Why is $250k/$500k the new state default for Bodily Injury (BI) coverage? Will this affect my premium?   Arrow-down

What do I need to think about when selecting Bodily Injury (BI) coverage?   Arrow-down

What will happen with my Bodily Injury (BI) coverage in 2020?   Arrow-down

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