Michigan No-Fault AUTO Reform

We want you to be informed so you can make the best decision for you and your family.


In May of 2019, Michigan lawmakers passed a bill to reform the state’s no-fault auto insurance laws, which have been mostly unchanged since 1973.  The majority of the bill will take effect on July 2nd of 2020, but a few provisions took effect immediately. Some of the changes provided by the bill are:

  1. Michigan residents will no longer be required to purchase unlimited medical coverage (lesser amounts will be offered).
  3. Michigan residents will be required to purchase bodily injury liability coverage of at least $50,000 per person, $100,000 per accident (versus $20,000 per person, $40,000 per accident currently) and election forms must be signed by anyone purchasing less than $250,000 per person, $500,000 per accident.
  5. People that are not a named insured or a resident relative of a named insured will be limited to $250,000 of medical coverage (versus the unlimited amount they are currently afforded).


Please register for one of our No Fault Reform workshops using the registration buttons below, or view our No Fault Reform videos at your convenience.
We look forward to addressing these important changes to Michigan’s auto insurance law with you!



PIP Medical Expense Coverage Options

Changes to Who Is Covered by Your Personal Injury Protection

Liability Coverage Changes

Coverage Selection Forms

michigan no fault insurance team


These changes, as well as the others enacted by the bill, will have a dramatic impact on every Michigan resident.  We know all the in’s and out’s of the Michigan No-Fault Reform Auto Bill and we want to help you understand the changes. We will help you make the appropriate coverage choices for you and your family.  

We understand that insurance is just one piece of the puzzle and we ardently use our 100+ years of experience to ensure the personalized insurance plan we develop for each client fits into their larger financial plan. While we service the entire state of Michigan, a majority of our clients reside in Grand Rapids, Rockford, Belmont, Ada, Cascade, and Kentwood.