PIP is required for all Michigan drivers. As of July 1, 2020, new auto insurance reform laws in Michigan might allow you to opt-out of PIP medical coverage if you have both Part A & B of Medicare coverage and other members of the household have qualified health coverage in place that covers auto injuries.
What states require PIP insurance coverage?
- Delaware
- Florida
- Hawaii
- Kansas
- Kentucky
- Massachusetts
- Michigan
- Minnesota
- New Jersey
- New York
What states have PIP coverage?
- - Arkansas - Delaware - Florida - Hawaii - Kansas - Kentucky* - Maryland - Massachusetts - Michigan
What is the minimum insurance coverage in Michigan?
- What are the minimum insurance requirements in Michigan? Michigan lawmakers want all drivers in Michigan to carry liability insurance in specific amounts. You must carry bodily injury coverage of at least $20,000 per person and $40,000 per accident. You must also carry property damage coverage worth $10,000.
Is Pip required in Michigan?
- With the recent changes to Michigan no-fault law, drivers are no longer required to carry unlimited PIP coverage. When the changes started going into effect in July 2020, one of the biggest changes Michigan drivers are seeing is the ability to choose their level of PIP coverage.
What is Personal Injury Protection (PIP)? The standard minimum personal injury protection coverage is $2,500.00. Your auto insurance company will pay this amount for your medical bills (and depending on your policy, even lost wages) without any regard to who was at fault in the accident.