Like you’re probably aware, a bill was passed a few months ago to reform Michigan’s no-fault auto insurance laws in July 2020.  Although there are many nuances that are not yet clear in the new law, we do know that the medical coverage provided by an auto insurance policy (“Personal Injury Protection”) will be significantly impacted.  Currently, every driver in the State of Michigan has unlimited medical coverage under their own auto insurance policy.  However, in July 2020, drivers will no longer be required to purchase unlimited medical coverage and will instead be asked to make coverage elections—thus choosing the limit of medical coverage they would like their policy to provide.  These coverage options are expected to be: unlimited, $500k, $250k, $50k, and waived (under certain circumstances).

Although the required qualifications and premium impact of each option are still unclear, knowing if and how your health insurance responds to injuries from an auto accident will become more important than ever.  This will help ensure that you are making an informed decision for you and your family and will help us advise you accordingly.

Beginning in the New Year, we will be holding free workshops to dissect the new law and help you understand the changes and make the appropriate coverage choices.  It would be our pleasure to have you, your family, and your friends.  Please watch for our formal invitation to reserve your spot on the date and time that works best for your schedule.

This article was written by Tori Roughley. Please send questions or comments to Tori at