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Michigan auto insurance reform 2020

On July 2, 2020, a new law let Michigan drivers choose the Personal Injury Protection (PIP) option that best met their unique needs and budget. If you took advantage of this option, you’ll need to take additional action to renew it.


Act now to keep your current PIP selections or to make changes to your policy

To retain your current PIP selection for the upcoming renewal, you must:

  • Contact your agent
  • Discuss your coverage options and make selections
  • Complete the PIP form
  • Provide document(s) for Qualified Health Care (QHC), Medicare, or Medicaid

If your PIP form and documentation is not received prior to your upcoming renewal, your policy will be renewed with Unlimited PIP as required by Michigan law. This will increase your premium if you previously chose less than Unlimited PIP. You'll be sent a new declarations page reflecting this change.


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Michigan Personal Injury Protection coverage options

The only coverage previously available in Michigan was Unlimited PIP. That expanded in July, 2020. Check out the PIP medical coverage options and talk to your State Farm agent to help you figure out which works best for you:

  • Option 1: Unlimited Coverage (this would be the same as you have today)
  • Option 2: Up to $500,000 in coverage
  • Option 3: Up to $250,000 in coverage
  • Option 4: Up to $250,000 in coverage with some or all persons excluded from PIP medical. For instance, you may qualify for this option if you have qualified health insurance. That means your health care policy does not exclude auto injuries and your deductible is not greater than $6000.
  • Option 5: You can choose $50,000 in coverage if you're enrolled in Medicaid and meet other eligibility criteria.
  • Option 6: PIP Medical Opt-Out. You can choose to have no PIP medical if you have Medicare Parts A & B and again, if you meet other eligibility criteria.

State minimums will also increase for the following coverages:

  • Bodily Injury
  • Uninsured Motorist
  • Underinsured Motorist

These changes will affect pricing. So, review these options with your local agent to get a better understanding of how they might impact your coverage and budget.

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Questions and answers

Personal injury protection coverage can help with your medical expenses from an accident, no matter who is at fault.

The reform mandates lower PIP premiums. So, even if you maintain a high level of PIP coverage, you'll likely see some savings over time.

If you're a lifelong Michigan resident, the new reform presents you with a decision you've never had to make before. Talk it over with your State Farm agent to get a better understanding of the options available to you.

The goal is to choose the level of coverage needed to protect you and your loved ones. Your State Farm agent is there to help answer your questions, but at the end of the day the choice of coverage is up to you.

The reform took effect July 2, 2020. If you have any questions about the reform or other insurance matters, please contact your local State Farm agent.


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State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, any third party products or the content of any third party sites referenced in this material. State Farm has no discretion to alter, update, or control the content on the third party sites. Any references to such sites are provided for informational purposes only and are not a solicitation to buy or sell any of the products which may be referenced on such third party sites. State Farm does not warrant the merchantability, fitness, or quality of the third party products referenced in this material.

State Farm Mutual Automobile Insurance Company
Bloomington, IL