Joe Halabicky Insurance Group

The goal should be for you to find the level of coverage that best protects you and your loved ones, as well as meets your budget.

You can keep your unlimited PIP coverage, opt out altogether, or choose a level in between: • Unlimited PIP coverage • $500,000 PIP coverage option • $250,000 PIP coverage option • $50,000 Medicaid-eligible option • Opt out of PIP coverage Depending on what you choose, you could enjoy anywhere from 10% to 45% mandated savings on PIP coverage’s. You’ll be able to choose from various levels of Bodily Injury (BI) coverage as well. If you’re wondering how you’re going to make the right choices, that’s where your State Farm® agent can help. Will I save money? The reform legislation mandates lower PIP premiums. Like most Michigan drivers, you’ve been paying for unlimited PIP coverage. Now, even if you maintain unlimited PIP coverage, you’ll probably realize some savings. Much depends on your personal situation.

Beyond introducing wider medical coverage choices for you, the minimum amount of liability coverage you’re required to buy will go up. The reform also establishes a strict fee schedule for medical services, backed by a new Fraud Bureau.

It goes into effect in July of 2020.

Universal, unlimited PIP coverage meant that everyone was covered. But it also meant there were no limits on what health care providers could charge. Everyone, from insurance carriers to their customers, paid more. As a result, current Michigan auto insurance rates are among the nation’s highest.

The reform includes several innovations. But the one that requires your immediate attention is your choice of medical coverage. Since 1973, every Michigan driver has had to purchase unlimited lifetime medical coverage (Personal Injury Protection, or PIP). Now you can choose the level of coverage you believe you need and realize the mandated average savings that come with it.