• Should I get personal injury protection for my car when I have health insurance?

Because Michigan is a no-fault auto insurance state, personal injury protection (PIP) is mandatory for all drivers. However, under recent state law, drivers do not have to buy unlimited PIP if they have a certain level of health insurance coverage. Drivers can opt out of PIP coverage if they have health insurance that is qualified under the following criteria:

  • Not exclude or limit coverage for auto accident injuries and have an annual individual deductible of $6,000 or less
  • Or the coverage is Medicare Parts A & B

Michigan drivers can keep their unlimited PIP coverage, choose from different PIP coverage options according to budget and needs, or opt out from coverage if they qualify for the health insurance provision. When making a decision, remember that PIP coverage is broader than health insurance plans. Along with medical expenses, PIP insurance also covers lost wages, in-home nursing care, childcare, housing modifications, and other auto accident-related costs.

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