Michigan Auto Reform

On July 2nd, 2020, Personal Injury Protection (PIP) in the state of Michigan underwent a noteable overhaul. The changes include keeping your unlimited PIP coverage or you electing a lower amount of either 500k or 250k limit. Additionally, and depending on your health plan, you may qualify for a much lower amount if your entire household is Medicare/Medicaid eligible.

While there are significant premium savings, these savings can come at quite a tremendous cost and severe reductions to important coverages. PIP is your first level of medical coverage in the case of an automobile accident. At MI Choice Insurance, we are encouraging our clients to stay with the unlimited level of coverage. If you elect a $250,000 PIP limit and a member of your household is injured in an accident, this amount will be spent quickly considering the cost of emergency medical attention. Adversely, if you elect unlimited, you will still benefit from rate reductions, but can feel rest assured knowing you and your household members will be covered in the case of a major vehicle accident.

Our agents are educated in the Michigan auto reform and are available to answer your questions. To learn more, contact us today!

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Our Discounts

  • Safety Course Discount: Up to 10%
  • Multi-Vehicle Discount: Up to 25%
  • Prior Insurance Discount: Up to 21%
  • Advance Purchase Discount: Up to 10%
  • Paid in Full Discount: Up to 17%
  • Multi-Policy Discount: Up to 20%
  • Safety Equipment/Recovery Devices Discount: Up to 10%
  • Locked Storage/Garaging Discount: Up to 5%
  • Loyalty/Claim Free Renewal Discount: Up to 10%
  • Home Ownership – Up to 25%
  • And More!