Michigan No-Fault Auto Reform - Personal Injury Protection Coverage Changes

Part of the No-Fault reform changes how injuries will be covered as a result of an auto accident.

BEFORE THE CHANGE IN LAW: If a motor vehicle was involved in an accident, any injuries from an auto accident suffered by a driver, passengers, or pedestrians would be covered by the auto insurance of the owner or operator of the motor vehicle. This was true if the driver, passenger, or pedestrian didn’t have their own car insurance. If they had their own car insurance, the injuries would be covered by that insurance. There were no requirements that the driver, passengers, or pedestrians be related to the owner or operator of the motor vehicle or be a member of the household.

UNDER NEW LAW: The only people covered your auto policy for injuries resulting from an accident involving your vehicle will be you and anyone who is related to you AND resides in your household. Here are some examples of what that means: There will no longer be medical coverage for your roommate or significant other, even if that person is listed as a driver on your policy. There will also not be medical coverage for your adult child who does not live with you but drives a car titled to you.

Please contact your agent to discuss the best way to obtain coverage for these situations.

Nulty Insurance
[phone] Kalamazoo
[phone] Otsego
[phone]  Iron Mountain