All drivers need to #ChooseUnlimited to protect themselves and their families.
Under Michigan’s new auto insurance law, which went into effect on July 2, 2020, residents can no longer count on getting the care they need if they are injured in a crash.
Instead, you will be faced with coverage options.
As a coalition of rehabilitation providers, consumer advocates and others who work with individuals who have suffered life-altering injuries, we have seen firsthand how auto injuries can change the lives of entire families. That’s why we’re encouraging everyone to #ChooseUnlimited.
How it works
Under the new law, you have the option of choosing between several levels of PIP protection—including zero (available only to those with Medicare or other qualifying health insurance); $50,000 (Medicaid option); $250,000; $500,000 and unlimited/lifetime coverage.
All but the unlimited/lifetime PIP options are capped per accident—which means if you choose a $250,000 plan and get into an accident that causes a life-altering injury (like a traumatic brain injury or a spinal cord injury), that’s all you’ll ever get.
A hospital stay alone can cost hundreds of thousands of dollars, let alone years of therapy and rehabilitation. Without lifetime coverage, a life-altering accident could send your family into medical bankruptcy, and you or your loved ones would likely be placed into a nursing home, where staff lacks the training to adequately care for catastrophically injured individuals.
Won’t unlimited coverage be too expensive?
The amount you could save depends on several factors, including your insurance company, your address, your driving record, credit worthiness or history and more. There’s a good chance that an unlimited plan won’t be much more expensive than a capped plan. In fact, the new no-fault law claims drivers who maintain lifetime coverage should pay 10% less for PIP coverage over their current rates.
Make sure you ask your insurance company to quote out all options. It’s also a good idea to get quotes from other insurance companies, or work with an independent agent (most of which, according to news reports, are recommending that clients purchase the unlimited option).
It’s a new era of auto insurance in Michigan, and you are in control. The unlimited/lifetime Personal Injury Protection (PIP) coverage is the only option that will ensure you and your family get the care you need if you are injured in a crash.
