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Frequently Asked Questions
A recent court decision may affect some of the information contained on this website. DIFS is working to review and update all auto insurance-related content as appropriate.
Information on Purchasing Auto Insurance
On May 30, 2019, Governor Whitmer signed historic bipartisan no-fault auto insurance reform legislation (Public Acts 21 and 22 of 2019) to provide insurance coverage options, lower rates for Michigan drivers while maintaining the highest benefits in the country, and strengthen consumer protections.
This FAQ will be updated to provide the latest information to Michigan drivers. Please check back often for updates.
Notice: The information contained within this website pertains to the new auto insurance law. These changes will apply to policies issued or renewed after July 1, 2020.
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When did the law take effect?
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Why was the law changed?
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Why should I purchase auto insurance?
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How will the new law save me money?
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What consumer protections did the new law create?
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What auto insurance coverage do I have to purchase?
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What is Personal Injury Protection (PIP)?
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What is Property Protection Insurance (PPI)?
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What is Residual Bodily Injury and Property Damage Liability (BI/PD)?
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How will I choose my new Personal Injury Protection (PIP) and Residual Bodily Injury (BI) coverage limits?
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Have the non-mandatory auto insurance coverages I can buy changed?
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Do I still have to pay MCCA fees?
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Who can help if I'm having a problem with auto insurance?
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I have Medicare. Can I opt out of PIP medical coverage if I am single and live alone?
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I am enrolled in Medicare Advantage. Can I opt out of PIP medical coverage?
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I renewed my policy recently, before the July 1 effective date. Do I need to contact my insurance company or will the changes happen automatically?
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I was told that Medicare won't cover injuries from car accidents. Am I covered under the new law if I rely on my Medicare and opt out of Personal Injury Protection (PIP)?
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What is Qualified Health Coverage (QHC) and how will I know if I have it?
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I have ongoing health issues from a crash that occurred before the law went into effect. Will I still get care under the new law?
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I'm a motorcyclist and I'm worried I won't get Personal Injury Protection (PIP) coverage under the new law if a car hits me. Is this true?
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Why do I have to pay MCCA fees on my motorcycle policy?
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Will the discounts mandated in the new law actually happen? How is the state ensuring insurers are complying with the law?
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Is there still a fee for those who were previously uninsured?
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Do I have to buy unlimited Personal Injury Protection (PIP) if I don't have health insurance?
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Will I have to fill out the Personal Injury Protection (PIP) form every time I renew my policy?
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What are the potential medical implications if you choose a lower level of PIP?
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What changed with attendant care?
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What happens if I exclude or opt out of Personal Injury Protection (PIP) medical and lose my qualified health coverage?
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Why am I still being charged a premium for Personal Injury Protection (PIP) even though I have opted out?
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Can I exclude or opt out of Personal Injury Protection (PIP) medical if I have Veterans Affairs (VA) coverage, TRICARE, or CHAMPVA?
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I have an indemnity plan. Can I opt out or exclude Personal Injury Protection (PIP) medical coverage?
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I have Medicaid. How do I show proof of Medicaid enrollment for the limited Personal Injury Protection (PIP) medical coverage option of $50,000 for Medicaid beneficiaries (Option 5)?
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Do I need to provide a Qualified Health Coverage (QHC) letter for an auto insurance quote?
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Will the Qualified Health Coverage (QHC) maximum deductible be adjusted this year?
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I was injured in an auto accident and I received medical treatment. I recently received notification that my provider has filed an appeal under something called Utilization Review. What does this mean, and is there anything I should do?
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If I am relying on Medicare to exclude or opt out of Personal Injury Protection (PIP) medical, why do I need to submit proof of Medicare documentation at every renewal?
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What happens if I want to exclude Personal Injury Protection (PIP) medical coverage (Option 4) for some or all household members, but do not provide proof of Qualified Health Coverage (QHC)?
The answers provided are not meant to be a substitute for legal advice.