In 2019, Michigan overhauled its auto insurance laws in a major reform aimed at lowering some of the highest premium rates in the nation. One of the biggest changes was giving drivers more choice when it comes to their personal injury protection (PIP) coverage levels. PIP is a vital part of your Michigan auto insurance policy that covers medical expenses if you're injured in an auto accident.

Prior to the reform, unlimited lifetime PIP coverage was mandatory in Michigan. While this provided robust protection, it also contributed to sky-high premium costs for drivers. Under the new law, you can now choose a PIP coverage level ranging from unlimited down to $50,000 for Medicaid enrollees or those with qualified health insurance. While having this choice can lead to cheaper rates, it's crucial to understand the risks of selecting lower PIP limits.

At AARON.LAW, we strongly advise all our clients to maintain the maximum unlimited PIP coverage option. Here's why: 🚑 PIP covers far more than just emergency medical bills after a crash. It provides coverage for all reasonably necessary products, services and accommodations relating to your care, recovery and rehabilitation. This includes hospitalization, surgery, medications, medical equipment, attendant care, transportation costs, residential modifications like wheelchair ramps, and more. 💰

Even a seemingly minor injury can quickly result in hundreds of thousands of dollars in claims that exceed lower PIP limits. For example, a traumatic brain injury often requires years of ongoing treatment and accommodation expenses that can easily top $1 million. 👨‍👩‍👧‍👦 Higher PIP limits protect your entire family by covering all relatives residing in your household in the event they are injured in an auto accident. 🛡️ Michigan's auto insurance reform imposes fee schedules and caps on PIP coverage, so your medical costs may not be fully covered even at the highest limit. Lower limits increase your risk of being exposed to out-of-pocket expenses. At the end of the day, we believe the potential savings from a lower PIP limit simply aren't worth the financial risk to you and your family. The whole point of auto insurance is to protect your assets and provide peace of mind.

The 2019 reform was a sweeping overhaul, but our team at AARON.LAW is here to guide you through the changes and make sure you're making informed decisions to keep yourself and your loved ones safe on the road. If you have been injured, you deserve aggressive representation from a team that understands the law. Contact the AARON.LAW team today - (877) AARON-4U