Law Changes

Lowers Costs, Maintains Highest Benefits, Increases Consumer ProtectionsYoung Family in car

Governor Whitmer signed bipartisan auto no-fault legislation to lower costs, maintain the highest coverage options in the country, and strengthen consumer protections.

Companies are required to reduce statewide average premiums for eight years, and a new fee schedule for medical provider reimbursements will control costs while maintaining access to care. Michigan is the only state where unlimited PIP medical continues to be an option and the new available limits equal or exceed the highest benefits in the country.

Companies can no longer use certain non-driving factors to set rates, a new fraud unit investigates criminal activity and fines have been increased for the insurance industry for violations of the law.