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Michigan drivers will need to choose among several medical coverage options after the new auto insurance law goes into effect after July 1. 

With these changes in mind, the Michigan Health & Hospital Association launched a new public education campaign, “Big Changes Ahead” and website, DriveProtected.org, to help motorists prepare and then make a decision that works for them. 

The association, which advocates for health care providers, urges caution when choosing personal injury protections.

“We have seen people when they are severely injured,” said Ruthanne Sudderth, senior vice president of public affairs and communications for MHA. “We want them to weigh the savings versus the risks. If you can afford it, we want people to buy unlimited.”

There were nearly 313,000 crashes in 2018, according to MHA data. 

“Our focus is getting people to ask the right questions and shop around,” Sudderth added. 

Personal injury protection changes

Michigan drivers for the first time will have the option to choose lower levels of medical coverage when buying or renewing their policies rather than only having lifetime coverage as their option.  

Opting for less than full coverage can result in high out-of-pocket medical costs down the road if injured in a car crash, according to MHA.  

The PIP options under the new law, with some exceptions and exclusions, are:

  • Unlimited medical coverage per person per accident.
  • Up to $500,000 in medical coverage per person per accident.
  • Up to $250,000 in medical coverage per person per accident.
  • Up to $250,000 in medical coverage per person per accident with exclusions (under certain conditions).
  • Up to $50,000 in coverage per person per accident (under certain conditions).
  • PIP…