Michigan no-fault auto insurance reform is confusing a lot of Michigan drivers. These are changes to auto insurance laws that every driver should be aware of so that you can get the best coverage for your needs.
At Guy Hurley McNeil, we can help Rochester Hills, MI drivers to decode Michigan no-fault auto insurance reform so that you can keep your coverage up to date.
Follow this guide for some tips on what Michigan no-fault auto insurance reform means.
Personal Injury Protection (PIP)
PIP coverage is the coverage you get for damages after an accident that goes beyond medical and includes lost wages and pain and suffering. Unlimited PIP insurance is no longer available.
There are coverage selections for drivers on Medicaid, and not on Medicaid. If you have Medicare, you can now choose to opt out of PIP protection.
Auto insurance companies will no longer offer attendant care for more than 56 hours weekly. If you are in an accident and require home care afterwards, you will not get coverage for family-provided care for more than 56 hours a week.
If the care is provided by a nurse or practitioner, this does not apply.
Michigan Catastrophic Claims Association (MCCA)
Reform here indicates that the MCCA will continue paying for the health care costs of accident victims in a catastrophic accident, but only if you selected unlimited no-fault PIP medical coverage.
Bodily Injury Liability
This reform has increased the limits on bodily injury liability. You will be permitted to purchase lower limits of bodily injury liability for third party car insurance.
Get Help Understanding Changes
These are just a few of the changes that have come to Michigan’s no-fault auto insurance reform. We can help you understand them all. At Guy Hurley McNeil, we want Rochester Hills, MI drivers to have the coverage they need, without paying too much. Call us for a quote today.