What You Need to Know About Auto Insurance Changes

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If you live in Michigan and own a vehicle you’ve likely heard about the recent changes to Michigan’s No-Fault Auto Insurance which allows you to select the level of coverage for Personal Injury Protection (PIP), or in some cases, opt out of it entirely.

PIP is the portion of your automobile insurance that covers medical expenses if you are involved in an automobile accident. It can also cover expenses such as attendant care, medical mileage, lost wages and rehabilitation services. You will want to be aware of your medical coverage when you review your auto insurance coverage.

If you have Qualified Health Coverage (QHC), you may elect a lower level of PIP, or in some cases opt out of PIP coverage, with your auto carrier. If your medical plan covers automobile accidents and has a deductible of less than $6,000, generally you have QHC.

As you evaluate your PIP coverage, remember that while your medical plan may cover auto accidents, it may not be unlimited coverage and may not cover all services that may be required. If you opt for a lower level of PIP and exhaust the amount of the coverage you purchase, or opt out of PIP entirely, any expenses not covered by your medical plan will be your responsibility.

As you make your decision, you will want to compare the benefits of a lower auto insurance premium to the risk of medical expenses as the result of a catastrophic auto accident. If you have questions about your health insurance coverage, or need assistance enrolling in a plan, contact a patient financial advocate by calling 844.408.4103

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