Michigan’s No-Fault Law offers multiple options for selecting the Personal Injury (PIP) coverage you want. It is up to Michigan drivers to make these decisions, which can be an overwhelming choice.
Unlimited Coverage – obviously this is the “Rolls-Royce” of PIP coverage. It will pay for all allowable expenses for you and your care, recovery, and rehabilitation. Of course it will be the most expensive as well.
Limited Coverage of $500,000 – under this coverage, $500,000 is the most your auto insurance company will pay per person, per accident expenses related to an accident.
Limited Coverage of $250,000 – under this coverage, $250,000 is the most your auto insurance company will pay per person, per accident expenses related to an accident.
Limited Coverage of $250,000 with Exclusions - some or all persons may be excluded from coverage. It is only available for those who choose the $250,000 PIP medical coverage limit. A named insured or resident relative who wishes to exclude PIP medical coverage must have qualified medical coverage besides Medicare. Anyone who is excluded will not have any PIP coverage.
Limited Coverage of $50,000 - under this coverage, $500,000 is the most your auto insurance company will pay per person, per accident expenses related to an accident.
Waved PIP Coverage – this is only a feasible option if the applicant or named insured has coverage under both Medicare Parts A and B, AND any spouse and all resident relatives covered by the policy have qualified health coverage or are covered under another auto policy with PIP medical coverage.
Keep in mind that Bashore Green is here to help you if you or a loved one has suffered an injury from a recent auto accident. Good luck with your car insurance renewals!