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MI Auto Insurance Reform

Everything You Need to Know About Michigan Auto Insurance Reform

MI Auto Insurance Reform Overview

The State of Michigan passed historic bipartisan auto no-fault legislation to lower costs for Michigan drivers – while maintaining the highest coverage options in the country – and strengthen consumer protections. These changes apply to all policies issued or renewed after July 1st, 2020. Here at Provision, we pride ourselves on being insurance experts – so you don’t have to be. If you have questions about auto reform and how this new legislation may impact your auto policy, contact a member of our staff today!

To learn more, please view the following from our carrier partner, AAA (click to open).

Personal Injury Protection (PIP) Overview

PIP or Personal Injury Protection historically has been the most expensive portion of our personal auto policies here in Michigan, which is why as consumers, we pay some of the highest auto rates in the United States. Prior to July 2nd, 2020, Michigan drivers were required to carry Unlimited PIP. Now, drivers have the option to lower their auto rates by purchasing less PIP coverage. But before you decide to lower your personal injury protection, please consult with one of our producers. Here at Provision, we represent over a dozen of the nation’s best insurance carriers. We can shop for the best rates without putting your coverage in jeopardy. Contact us today!

To learn more, please view the following from our carrier partner, AAA (click to open).

Bodily Injury (BI) Changes Overview

Personal Injury Protection was not the only coverage option that was impacted by the state’s new legislation. In Michigan, if you are at-fault for an auto accident and someone else gets injured, they can make a bodily injury “BI” claim against you for non-economic damages. Today, with the changes to no-fault, they can also make a BI claim against you for Personal Injury Protection Allowable Expenses if those expenses are higher than their own PIP AE limit. The new minimum limit for “BI” is 50,000/100,000. Contact us todayfor a full policy review to make sure you are properly covered.

To learn more, please view the following from our carrier partner, AAA (click to open).

Qualified Health Review

Prior to July 2nd, 2020, Michigan drivers were only able to save on Personal Injury Protection “PIP” rates by being insured through a “coordinated healthcare plan.” Coordinated, as it relates to auto insurance, means that your healthcare provider will pay first in the event of auto-related injuries. Moving forward, Michigan drivers can now save even more if their healthcare plan is considered a Qualified Health Coverage (QHC). If a named insured and all residents relatives living in the same household can provide proof of QHC, they are now eligible to opt-out of personal injury protection. While having Qualified Health Coverage can save you money, drivers must be aware that they may need to rely more on their personal healthcare insurance if they are hurt in an automobile accident.

To learn more, please view the following from our carrier partner, AAA (click to open).

Provision Insurance Can Help!

Buying auto insurance does not have to be complicated! Here at Provision Insurance Group, we go to work for you. We shop dozens of the nation’s top insurance carriers to offer you the very best coverage at an affordable price. For a no-hassle free quote or an insurance review, contact one our insurance experts today! Ask about all the other services we provide including: home insurance, small business and commercial insurance, umbrella policies and life insurance.

Contact Us

Meet Our Team!
w

Customer Service

833-422-5701

Email

info@provisioninsurance.com

Provision Insurance Group

30200 Telegraph Road
Suite 350
Bingham Farms, MI 48025
Directions >

P: 248-262-7362
F: 248-250-5535

  • * required fields

Question? View FAQ >

Everything You Need to Know About Michigan Auto Insurance Reform

MI Auto Insurance Reform Overview

The State of Michigan passed historic bipartisan auto no-fault legislation to lower costs for Michigan drivers – while maintaining the highest coverage options in the country – and strengthen consumer protections. These changes apply to all policies issued or renewed after July 1st, 2020. Here at Provision, we pride ourselves on being insurance experts – so you don’t have to be. If you have questions about auto reform and how this new legislation may impact your auto policy, contact a member of our staff today!

To learn more, please view the following from our carrier partner, AAA (click to open).

Personal Injury Protection (PIP) Overview

PIP or Personal Injury Protection historically has been the most expensive portion of our personal auto policies here in Michigan, which is why as consumers, we pay some of the highest auto rates in the United States. Prior to July 2nd, 2020, Michigan drivers were required to carry Unlimited PIP. Now, drivers have the option to lower their auto rates by purchasing less PIP coverage. But before you decide to lower your personal injury protection, please consult with one of our producers. Here at Provision, we represent over a dozen of the nation’s best insurance carriers. We can shop for the best rates without putting your coverage in jeopardy. Contact us today!

To learn more, please view the following from our carrier partner, AAA (click to open).

Bodily Injury (BI) Changes Overview

Personal Injury Protection was not the only coverage option that was impacted by the state’s new legislation. In Michigan, if you are at-fault for an auto accident and someone else gets injured, they can make a bodily injury “BI” claim against you for non-economic damages. Today, with the changes to no-fault, they can also make a BI claim against you for Personal Injury Protection Allowable Expenses if those expenses are higher than their own PIP AE limit. The new minimum limit for “BI” is 50,000/100,000. Contact us todayfor a full policy review to make sure you are properly covered.

To learn more, please view the following from our carrier partner, AAA (click to open).

Qualified Health Review

Prior to July 2nd, 2020, Michigan drivers were only able to save on Personal Injury Protection “PIP” rates by being insured through a “coordinated healthcare plan.” Coordinated, as it relates to auto insurance, means that your healthcare provider will pay first in the event of auto-related injuries. Moving forward, Michigan drivers can now save even more if their healthcare plan is considered a Qualified Health Coverage (QHC). If a named insured and all residents relatives living in the same household can provide proof of QHC, they are now eligible to opt-out of personal injury protection. While having Qualified Health Coverage can save you money, drivers must be aware that they may need to rely more on their personal healthcare insurance if they are hurt in an automobile accident.

To learn more, please view the following from our carrier partner, AAA (click to open).

Provision Insurance Can Help!

Buying auto insurance does not have to be complicated! Here at Provision Insurance Group, we go to work for you. We shop dozens of the nation’s top insurance carriers to offer you the very best coverage at an affordable price. For a no-hassle free quote or an insurance review, contact one our insurance experts today! Ask about all the other services we provide including: home insurance, small business and commercial insurance, umbrella policies and life insurance.

Contact Us

Meet Our Team!
w

Customer Service

833-422-5701

Email

info@provisioninsurance.com

Provision Insurance Group

30200 Telegraph Road
Suite 350
Bingham Farms, MI 48025
Directions >

P: 248-262-7362
F: 248-250-5535

  • * required fields

Question? View FAQ >

What our clients are saying

Provision's online reviews reflect our growing national reputation of excellence built by consistently providing great coverage, great rates, and stellar customer service.

Berlyn is the best! She hooked me up with homeowners insurance within a few hours at a rate far less than I’d been able to find on my own. She even got me a less expensive auto policy than what I currently had. Highly recommend!
Courtney S.

Provision is a great organization. Johnny Jajou is great to work with there. Always helps me get what I need done in a rapid manner. From top to bottom, the organization is very helpful and always takes care of their customer.
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