Auto Reform


Make Sure Your Health Is Covered

What are the changes in Michigan auto insurance?

Michigan’s new auto insurance reform law, effective July 1, 2020, applies to policies issued or renewed beginning July 2, 2020. Under the new law, Michigan motorists can select the amount of medical coverage (PIP – or personal injury protection) they want when purchasing auto and motorcycle insurance. This is different than the current Michigan law, which provides motorists with unlimited PIP coverage. It is important that you work with your auto insurer to make sure that you and your family are covered if involved in an automobile or motorcycle accident.

What does this mean for Access Health members?

Access Health has never covered injuries related to motor vehicle related incidents. This has remained the same since 1999; and helps ensure that our coverage is affordable for all members in our community – whether or not you drive. Access Health excludes all motor vehicle related injuries including, but not limited to injuries that occur:

  • In your vehicle
  • In someone else’s vehicle
  • While performing maintenance on a vehicle
  • While loading or unloading a vehicle
  • Hit by a vehicle while walking or standing

What should Access Health members do to protect their health?

Tell your auto insurance carrier that your health coverage excludes all motor vehicle related injuries. It is important for all Michiganders to work with your auto insurance carrier to make sure that you and your family are protected for injuries sustained motor vehicle accidents. It may be tempting to save even more money by opting out or choosing lower PIP coverage, but it is important to understand that it puts your health at risk. Motor vehicle related injuries can be very costly and it is important that you have appropriate PIP coverage to make sure that your care is covered.

Where can I get more information?

Your auto insurance carrier is a great source of information and can guide you through your coverage choices. Be sure to tell them that your health coverage excludes all motor vehicle related injuries so you can select a plan that provides the needed coverage. Michigan’s DIFS office also provides helpful information through their website, their dedicated hotline (833-ASK-DIFS) or email autoinsurance@michigan.gov.