120+ more
Personal injury protection (PIP) coverage is a type of auto insurance that helps pay for medical bills, lost wages, and other expenses if you or your passengers have an accident-related injury, regardless of fault. Since Michigan is a no-fault state, all drivers need to carry PIP in addition to basic liability coverage. But you can choose how much medical coverage you need.
Here’s what Michigan drivers need to know about personal injury protection and finding car insurance coverage.
Liability quotes start at $67/mo.
Michigan state law requires drivers to have personal injury protection (PIP). But drivers have the right to choose from several different medical coverage levels:[?]
Unlimited coverage (the default plan)
Up to $500,000 in coverage
Up to $250,000 in coverage, for drivers who have health insurance that’s not Medicare
Up to $50,000 in coverage, for drivers enrolled in Medicaid
PIP medical opt-out, for drivers who have both Medicare Part A and Part B health insurance or have coverage from another auto policy with PIP insurance
Under Michigan law, if you don’t select a coverage option, your insurer will automatically enroll you in unlimited coverage, which could be costly.[?]
PIP coverage is mandatory in Michigan, so you can only opt out of coverage if you qualify for certain exceptions. To reject PIP coverage, follow these steps:
Review your coverage options. Check with your insurer or agent to qualify for a lower coverage option or to opt out of PIP coverage. (Michigan insurers legally have to provide drivers with information that describes the benefits and risks of each coverage level.)
Provide documentation. The required paperwork may include proof of enrollment in Medicare, Medicaid, health insurance, or another auto insurance policy that includes PIP coverage.
Confirm PIP coverage level. Check with your insurer to confirm the status of your enrollment in a lower-level coverage option or if you qualify for the PIP medical opt-out.
If you or your passengers have injuries from a car accident, PIP helps cover the following costs, regardless of fault:[?]
After an accident, PIP offers a lot of financial help if you or your passengers have injuries. But it doesn’t cover medical expenses above your policy’s coverage limits, injuries to other drivers, injuries that happen while driving for work, injuries from an accident that happened while committing a crime, or pain, suffering, or emotional distress.
PIP insurance also doesn’t cover damage to your vehicle or personal property, damage to other people’s property or vehicles, or theft. But you can purchase full-coverage insurance or other coverage, like collision and comprehensive insurance, for added financial protection.
Some states allow drivers to carry medical payments (MedPay) coverage that’s only for medical expenses. This is usually different from a PIP policy, which also covers other non-medical costs after an injury, like lost wages. But since Michigan is a no-fault state, PIP is a requirement.
Unlimited medical coverage is standard for PIP plans in Michigan, but drivers can choose from several lower medical coverage levels or qualify to opt out.
Insurify partners with top insurers for real quotes
If you have an accident-related injury in Michigan, follow these steps to file a PIP coverage claim:
Contact your insurance company. You can usually start the claim process over the phone, on an app, or through the insurer’s website.
File the claim. Provide details about the accident, such as involved parties, the nature of the injuries, and when and where the crash occurred.
Provide documentation. Your insurer may need copies of medical bills, invoices, receipts for covered losses, and proof of missed work from your employer.
The claims process can take a few weeks, and your insurer may need additional information while investigating your PIP claim. Stay in touch with your insurance company and make sure to respond to any requests quickly to keep the process moving.
Michigan requires PIP coverage by law. Here’s a closer look at some common questions that can provide more clarity about PIP insurance for Michigan drivers.
Personal injury protection in Michigan is a type of mandatory insurance that helps cover the cost of medical expenses, lost wages, and other types of expenses if you or your passengers have an accident-related injury.
The default amount for medical coverage on a personal injury policy in Michigan is unlimited. But you can choose lower coverage limits or opt out in select cases. Your medical limit in Michigan may not affect other coverage limits for non-medical expenses like lost wages, depending on your PIP policy.
Michigan requires PIP coverage, since it’s a no-fault state. But choosing the right medical coverage level helps protect your finances if you or your passengers have an accident-related injury, especially if it’s serious or fatal.
Yes. As a no-fault state, Michigan requires PIP. You must carry this insurance, but you can choose your coverage level and may be able to opt out if you meet certain eligibility criteria.
Yes. Michigan requires PIP, but you may be able to choose a lower medical coverage limit or opt out of medical coverage if you have a qualifying health insurance plan or are a Medicaid or Medicare participant.
)
Experienced personal finance writer
Background working with banks and insurance companies
Featured in
){kind=small}
){kind=small}
)
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
)
)
)