2021 Michigan PIP Reform | What You Need to Know about The Michigan Auto Insurance Changes

Everything you will need to know about the Michigan auto insurance changes in 2020/2021. In this video you're going to want to watch all the way through the end. There are really 7-ish changes you HAVE to know about. The PIP and Michigan Reform Bill that changes all the insurance laws in Michigan.

New Insurance Reform for Car Insurance in Michigan: July 2nd, 2020

This is the guide that will help you understand the new Michigan Auto Insurance Laws - Michigan Auto Reform. I go over the 5-7 main changes you can expect and what steps you should take to react.

Index: Click blue links below to Skip to a specific section
0:28 State minimum coverage changes
0:54 Rating factors being removed
2:09 Mini-Tort change
3:09 No prior = no problem
5:09 First level of PIP: Unlimited
7:05 Second level of PIP: $500,000 A.E.
7:22 Third level of PIP: $250,000 A.E.
* Missing in Video: PIP $250,000 with exclusion ( allows you to exclude other drivers in your home that have their own health plan (must qualify)).
7:55 Fourth level of PIP: $50,000 A.E. *requirements
8:49 Fifth level of PIP: Medicare Opt-out * Requirements
9:28 What you need to know about PIP changes
10:06 Order of Priority explanation
12:01 Scenarios that could cause issues
16:28 Recommendations on next steps to take

Please share this with anyone in Michigan. Everyone is affected.

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Please comment below with any questions you may have

Disclosure: Please consult your agent before making any changes you feel you are not knowledgeable with. Due that the laws being different in each state, I am not responsible for any changes or updates that may have occurred after the making of this video.

[JoquanDaHooligan]

For some reason here in the city of Detroit after these so-called reform Auto Insurance is still ridiculously high.

[maytons]

I just moved to a nice area in Michigan from Pennsylvania. For identical coverage on the same vehicle with the same company the premiums are astronomical.

[nm]

Excellent info! Thank you for answering similar questions. I needed to hear it from different angles.

[binanyagami]

Thanks for all that information very helpful. As you said people in Michigan defiantly need to know this

[ncffenton]

Very good information for everyone especially for people who recently moved to Michigan!!

[AnitasLoveify]

Thank you for your knowledge of Michigan’s Insurance & your opinions! Greatly needed & appreciated! Very well explained, too!

[asheylarry]

I live in Metro Detroit and the rates are still ridiculous... I pay more for my insurance then my brand new car.

[donv]

Explained very well, covered everything, I had a couple questions during the video but they were answered by the time your video was over.
Thank you.

[Glasher]

Our fine governor, who said she would not side with the insurance special interest groups, in the last minutes, signed billions of dollars over to the insurance companies in doing so. Makes me wonder if she has any new off-shore accounts.



My wife had a serious head injury, from an auto accident covered by State Farm, more than 30 years ago that began with her in a coma. Afterward and to this day she is prescribed 24/7 supervision which State Farm covered (including some law suits for such). I have provided that supervision and more which is noted on the logs that I send in containing a large list of what I provide for her. Am I up 24 hours a day? Of course not, but I doze when she does and being a light sleeper I wake when she begins to stir. That makes me always on call and available.



Out of the blue State Farm dropped supervision coverage to 18/7 and now I hear coverage for family home care will only be 56 hours a week. I spoke with her case manager and told me that with the changes she doubts that home care companies would be likely to come for the other times of the day, again while the insurance companies say that in cases like my wife and others are simply fine at night and have no needs. They already rejected her clonopin, that helps her to be calmer (Otherwise she has episodes that has lasted up to three weeks), because her psychiatrist upped it one tablet to help her handle her cancer treatment. Her case manager said that this was just the beginning!



Gretchen Whitmore, were you properly reimbursed for that signature?

[normalbikeguy]

Great video and good explanation of the changes

[Tremens]

Went way up and have to opt out every 6 months with paper work it's not fun

[Kat_K_]

Thank you for sharing this info with us! 👍👍👍👍👍

[briandaley]

Great to see this MI reform. I know it’s been talked about for years. Curious about your follow up video on the Medicare follow up and that qualifier. Do most health insurers for the most part not pay as primary for auto accidents? Great video!

[sirleroyale]

I need help finding cheap coverage in Detroit can you help?

[LibertyLensOfficial]

this new law dropped my monthly bill from $270 per mo to $128 per month

[jordenfoster]

Thank you so much!!! This was super helpful!

[geojgeoj]

Does having health insurance allow you to op out of pip coverage ? also If you select manage care Does the insurance company pick your doctors.

[xyz]

Question: I have 2 daughters that are considered as drivers on my insurance. My husband name is on their car as cosigner. Will I still be allowed to cover them if they don't live with me but my husband is co-owner of the cars. We are both retired and have Medicare coverage.

[joycemccarter]

What happens if you have great coverage so take one of the PIP options car and gets in an accident while driving your car?

[jaimeschulte]

So if you have great health insurance from your employer. How/when does that kick in if you chose 250k PIP as an example? If you get in an accident does PIP pay and your regular health insurance not pay?