Some Michigan drivers are no longer required to purchase No-Fault Personal Injury Protection insurance. Insurance policies issued or renewed after July 1, 2020, drivers will have a choice of No-Fault benefits.

Drivers with Medicare may “elect to not maintain coverage” for No-Fault PIP medical benefits. Other drivers may be able to choose coverage levels of $50,000, $250,000, $500,000 or unlimited coverage for benefits.

Drivers should also be aware that they may be liable for excess medical benefits if they injure another driver. This means that drivers will need to review liability limits to protect themselves from potentially larger claims and judgments.