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