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Michigan's New Auto No-Fault Insurance Law

Jun 16, 2020

As you may know, Michigan's new auto no-fault insurance law takes effect on July 1. This new law will mean sweeping changes to the level of medical care that comes with your auto insurance policy.

Under the current law, all auto insurance policies in Michigan cover lifetime medical and rehabilitation care expenses for injured drivers and passengers - for as long as the care is needed.

Under the new law, you will have the option to choose significantly lower levels of medical coverage when you buy or renew your policy.

Although the new no-fault law allows you to purchase different levels of medical coverage, or "Personal Injury Protection" (PIP), opting for less than full coverage can result in high out-of-pocket medical costs down the road if you are injured in a car crash.

Research conducted in 2019 for the Michigan Health & Hospital Association found that 38% of insured Michigan motorists and 52% of those who have no auto insurance have been in a serious car crash or know someone who has been in a serious crash.

Working in health care, many of us have seen the devastating impact of car crashes on patients and their families. From a broken arm to a spinal cord injury, the costs of emergency room visits, surgeries and long-term rehabilitation can take a financial toll on you and your family. PIP protects your long-term health and finances, and helps you drive protected.

I encourage you to contact your insurance agent to decide what's best for you and visit and watch the below video to learn more about your coverage options.

audrey-gregory Audrey Signature

Dr. Audrey Gregory
Chief Executive Officer
Detroit Medical Center

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