{"id":123,"date":"2022-04-18T16:59:45","date_gmt":"2022-04-18T16:59:45","guid":{"rendered":"https:\/\/\/?page_id=123"},"modified":"2024-02-08T15:26:52","modified_gmt":"2024-02-08T20:26:52","slug":"michigan-no-fault-auto-reform","status":"publish","type":"page","link":"https:\/\/janusagents.com\/michigan-no-fault-auto-reform\/","title":{"rendered":"Michigan No Fault Auto Reform"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"123\" class=\"elementor elementor-123\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-db7ab89 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"db7ab89\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-906b6bc\" data-id=\"906b6bc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-02286f1 elementor-widget elementor-widget-heading\" data-id=\"02286f1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 08-05-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Michigan No-Fault Auto Reform<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-49baef0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"49baef0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c25072d\" data-id=\"c25072d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c6532c0 elementor-widget elementor-widget-heading\" data-id=\"c6532c0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Effective July 2, 2020<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b20b46 elementor-widget elementor-widget-text-editor\" data-id=\"3b20b46\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 08-05-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>While savings are important to each of us, our main focus as an agency is ensuring our clients have the appropriate coverage, hence our tagline,\u00a0<strong><em>\u201cWe\u2019ve Got You Covered!\u201d<\/em><\/strong>\u00a0<\/p><p>The following information\u00a0outlines important coverage choices that each Michigan resident will have to consider.\u00a0 At the end of each section, we have provided what is generally advisable and the reasoning, so you can make an informed decision on this important matter.<\/p><p>We look forward to caring for all your insurance needs!<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75aeeab elementor-widget elementor-widget-heading\" data-id=\"75aeeab\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Personal Injury Protection (PIP) Coverage<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9dbf9aa elementor-widget elementor-widget-text-editor\" data-id=\"9dbf9aa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<table cellspacing=\"0\" cellpadding=\"0\"><tbody><tr><td><div><p><strong>Personal Injury Protection pays allowable expenses for your care, recovery, rehabilitation, wage loss and replacement services.\u00a0 It also includes some funeral expense benefits and survivor\u2019s benefits which are paid to your dependents if injuries from auto accidents result in your death.<\/strong><\/p><\/div><\/td><\/tr><\/tbody><\/table><p><strong>Five options to choose from:<\/strong><\/p><p><strong><em>Unlimited\u00a0<\/em><\/strong>\u00a0\u00a0(10% rate reduction of PIP portion only)\u00a0\u00a0<strong><em>Available to all Michigan residents<\/em><\/strong><\/p><p><strong>$500,000 \u00a0\u00a0<\/strong>(20% rate reduction of PIP portion only)\u00a0\u00a0<strong><em>Available to all Michigan residents<\/em><\/strong><\/p><p><strong>$250,000<em>\u00a0\u00a0\u00a0<\/em><\/strong>(35% rate reduction of PIP portion only)\u00a0\u00a0<strong><em>Available to all Michigan residents<\/em><\/strong><\/p><p><strong>$50,000\u00a0<\/strong>\u00a0\u00a0\u00a0\u00a0(45% rate reduction of PIP portion only)<\/p><p><strong><em>Only available if:\u00a0\u00a0<\/em><\/strong><\/p><p>Named insured must be enrolled in Medicaid<\/p><p><strong>And<\/strong><\/p><p>Everyone else must have proof of Qualified Health Coverage or coverage payable for Medical expenses under another Michigan auto policy<\/p><p><strong>No PIP\u00a0\u00a0\u00a0<\/strong>(100% rate reduction of PIP portion only)<\/p><p><strong><em>Only available if:\u00a0\u00a0<\/em><\/strong><\/p><p>Named insured must be enrolled in federal Medicare Part A &amp; B<\/p><p><strong>And<\/strong><\/p><p>Everyone else must have proof of Qualified Health Coverage or coverage payable for Medical expenses under another Michigan auto policy<\/p><p><strong>It&#8217;s generally advisable to select\u00a0<em><u>Unlimited<\/u><\/em>\u00a0Personal Injury Protection coverage because the savings do not outweigh the costs.\u00a0 Unlimited coverage allows for rehabilitation and attendant care as well as medically necessary vehicle and home modification, etc., generally paid without a deductible and generally\u00a0<em><u>not<\/u><\/em>\u00a0covered by health insurance.\u00a0<\/strong><strong>The inadequacy of the caps on No-Fault PIP medical benefits for seriously injured accident victims, especially those requiring emergency room visits, hospitalizations and surgeries, cannot be overstated. If a person is injured badly, the capped insurance levels could be exhausted in just one weekend at a hospital. At that time, the only potential ways for victims to pay for their accident-related medical expenses is through health insurance, suing the at-fault driver (and hoping they have higher liability limits or a ton of money), relying on Medicaid or Medicare, spending down the family\u2019s assets to pay out-of-pocket or going without necessary medical care and treatment because there\u2019s no way to pay for it.<\/strong><\/p><table cellspacing=\"0\" cellpadding=\"0\"><tbody><tr><td><div><p><strong>Residual Bodily Injury (Liability Limits)<\/strong><\/p><p><strong>Bodily injury liability insurance covers claims made against you for injuries to others if you are at fault in an auto accident.<\/strong><\/p><\/div><\/td><\/tr><\/tbody><\/table><p>Changes to the state minimum limits:<\/p><p>The state will adopt a new minimum limit of $50,000\/$100,000.\u00a0<\/p><p>However, anyone wishing to maintain limits below $250,000\/$500,000 will be required to sign a waiver form.<\/p><p>Although the comparative negligence law has not changed in Michigan, once PIP is no longer unlimited for everyone, lawsuits will come into play more often.\u00a0 It will cause a shift in our law that allows a person who has been seriously injured in an accident to sue the person who caused the crash for all medical bills and economic loss over the amount of No-Fault PIP medical benefits selected at the time of the crash. That same shift in the law means that drivers who cause accidents that result in serious injury can be sued by injured persons for their \u201cexcess\u201d medical costs and economic loss, thereby potentially exhausting the drivers\u2019 liability insurance and requiring them to use family assets to pay out-of-pocket for damages that are owed.<\/p><p>\u00a0For example, if the policyholder is 50% at fault, the other party has selected a PIP limit of $250,000 per person and the economic impact of the accident is $1,000,000, the policyholder could be responsible for up to $500,000.<\/p><p><strong>For these reasons, it is generally advisable to select minimum limits of\u00a0<em><u>$500,000\/$500,000<\/u><\/em>\u00a0Residual Bodily Injury limits with a\u00a0<em><u>$1,000,000 Umbrella Policy<\/u><\/em>. Additionally,\u00a0<em><u>$500,000\/$500,000<\/u><\/em>\u00a0Uninsured\/Underinsured Liability limits with an Umbrella Policy that will cover Uninsured\/Underinsured related<\/strong> accidents.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77b63d9 elementor-widget elementor-widget-heading\" data-id=\"77b63d9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Special Considerations for Seniors<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c5acfd elementor-widget elementor-widget-image\" data-id=\"0c5acfd\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 08-05-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"791\" height=\"1024\" src=\"https:\/\/janusagents.com\/wp-content\/uploads\/2022\/04\/seniors_1-791x1024.jpg\" class=\"attachment-large size-large wp-image-1118\" alt=\"\" srcset=\"https:\/\/janusagents.com\/wp-content\/uploads\/2022\/04\/seniors_1-791x1024.jpg 791w, https:\/\/janusagents.com\/wp-content\/uploads\/2022\/04\/seniors_1-232x300.jpg 232w, https:\/\/janusagents.com\/wp-content\/uploads\/2022\/04\/seniors_1-768x994.jpg 768w, https:\/\/janusagents.com\/wp-content\/uploads\/2022\/04\/seniors_1-1187x1536.jpg 1187w, https:\/\/janusagents.com\/wp-content\/uploads\/2022\/04\/seniors_1-1583x2048.jpg 1583w, https:\/\/janusagents.com\/wp-content\/uploads\/2022\/04\/seniors_1-scaled.jpg 1979w\" sizes=\"(max-width: 791px) 100vw, 791px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e9c833 elementor-widget elementor-widget-heading\" data-id=\"2e9c833\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Special Consideration for Those on Medicaid<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c2d999 elementor-widget elementor-widget-image\" data-id=\"7c2d999\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"791\" height=\"1024\" src=\"https:\/\/janusagents.com\/wp-content\/uploads\/2022\/04\/medicaid-791x1024.jpg\" class=\"attachment-large size-large wp-image-1119\" alt=\"\" srcset=\"https:\/\/janusagents.com\/wp-content\/uploads\/2022\/04\/medicaid-791x1024.jpg 791w, https:\/\/janusagents.com\/wp-content\/uploads\/2022\/04\/medicaid-232x300.jpg 232w, https:\/\/janusagents.com\/wp-content\/uploads\/2022\/04\/medicaid-768x994.jpg 768w, https:\/\/janusagents.com\/wp-content\/uploads\/2022\/04\/medicaid-1187x1536.jpg 1187w, https:\/\/janusagents.com\/wp-content\/uploads\/2022\/04\/medicaid-1583x2048.jpg 1583w, https:\/\/janusagents.com\/wp-content\/uploads\/2022\/04\/medicaid-scaled.jpg 1978w\" sizes=\"(max-width: 791px) 100vw, 791px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Michigan No-Fault Auto Reform Effective July 2, 2020 While savings are important to each of us, our main focus as an agency is ensuring our clients have the appropriate coverage, hence our tagline,\u00a0\u201cWe\u2019ve Got You Covered!\u201d\u00a0 The following information\u00a0outlines important coverage choices that each Michigan resident will have to consider.\u00a0 At the end of each [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/janusagents.com\/wp-json\/wp\/v2\/pages\/123"}],"collection":[{"href":"https:\/\/janusagents.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/janusagents.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/janusagents.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/janusagents.com\/wp-json\/wp\/v2\/comments?post=123"}],"version-history":[{"count":43,"href":"https:\/\/janusagents.com\/wp-json\/wp\/v2\/pages\/123\/revisions"}],"predecessor-version":[{"id":2869,"href":"https:\/\/janusagents.com\/wp-json\/wp\/v2\/pages\/123\/revisions\/2869"}],"wp:attachment":[{"href":"https:\/\/janusagents.com\/wp-json\/wp\/v2\/media?parent=123"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}