The options below can only be selected on a per-policy basis.
Unlimited PIP Medical coverage: This option allows policyholders to continue to receive unlimited PIP medical coverage similar to what they received prior to July 2, 2020. This will continue to be the default option for all policies in Michigan.
Limited coverage of $500,000 or $250,000: These limits represent the most that your auto policy will pay per person, per accident, for the medical expenses of an injured individual. If the expenses resulting from the claim are greater than the capped amount, additional costs could be paid by a health insurance policy or out of pocket.
Limited coverage of $250,000 with some or all persons excluded from PIP medical: If a named insured has qualified health coverage that is not Medicare, and their spouse or resident relatives has qualified health coverage, they may elect to exclude PIP medical coverage. In this case, any individual who is covered by the policy and not excluded would have up to $250,000 in coverage. Excluded individuals would have no PIP medical coverage. However, any excluded individuals will still receive coverage for wage loss, survivor benefits, and replacement services.
Limited Coverage of $50,000: This option is only available if the named insured or applicant is enrolled in Medicaid, and their spouse, as well as all resident relatives, are either also enrolled in Medicaid, have qualified health coverage or are covered by a different auto policy with PIP medical coverage.
No PIP Medical Coverage: This option is only available if the named insured or applicant is enrolled in Medicare parts A and B, and their spouse, as well as all resident relatives are either also enrolled in Medicare, have qualified health coverage or are covered by a different auto policy with PIP medical coverage. Under this option, no medical coverage is available under PIP.