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What do changes to no-fault insurance laws mean for you?

Michigan's no-fault insurance model has meant that individuals pay high premiums for the coverage required by law. One of the components that was especially costly was the personal injury protection because people had to pay for unlimited lifetime medical benefits. On July 1, 2020, residents of this state were able to change their coverage from that unlimited option to lesser coverage, which saved some people money on their premiums.

The no-fault insurance system in Michigan was meant to eliminate the need for personal injury lawsuits for people who suffer injuries in accident. Instead, these victims turn to their own insurance companies for coverage for their injuries.

With the change in the law, people have to determine what type of coverage best suits them. They can keep the unlimited coverage per person, per accident, which is the same as what they had under the old law. Other options set a monetary limit per person, per accident.

Under the new law, the minimum coverage is $50,000, but some people might be able to be excluded from coverage. These include those who have health insurance policies that cover automobile accident injuries and that have deductibles of less than $6,000. The option for $50,000 maximum requires the person to meet specific qualifications and be on Medicaid. Individuals who meet certain eligibility requirements and who have Medicare Parts A and B can opt completely out of personal injury protection.

The change in the law might have an impact on how people with catastrophic injuries address the damages of a crash. Discussing your case with your attorney can help you to determine what options you have to address the financial impacts of the accident.

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