密歇根 汽车pp王者电子官网 Reform 2020
7月2日, 2020, a new law let 密歇根 drivers choose the 个人 Injury Protection (PIP) option that best met their unique needs 和 budget. If you took advantage of this option, you’ll need to take additional action to renew it.
Ask a 国营农场 代理, 密歇根!
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00:01 Ask a 国营农场® 代理, 密歇根!
2020年7月2日00:04. Why should this date matter to you?
00:08 Because significant changes happened in 密歇根 with the no-fault auto reform law which went into effect on July 2nd, 2020.
00:16 How does this change affect you as a 密歇根 driver?
00:20 One word: choices. If you are already insured with the number one auto insurer in the nation, 国营农场, 我们说谢谢. If you're not with the nation's number one carrier, you have a choice to join us either way.
00:35 You now have more choices that could lead to significant savings on your personal injury protection or PIP medical coverage premiums. The nearly 700 国营农场 代理s throughout 密歇根 are excited to not only go over existing policy holder coverages, but also to welcome aboard new customers.
00:53 We would love to welcome you to the neighborhood!
00:56从1973年开始, 密歇根 drivers were required to carry unlimited medical coverage on their personal automobile insurance policies.
01:04 This meant higher premiums 和 little choice.
01:08 Now you have the option of six different personal injury protection coverages.
01:13 Option one: unlimited coverage. This would be the same as your coverage limit prior to the no fault law change.
01:21 Option two: up to five hundred thous和 dollars in coverage.
01:26 Option three: up to two hundred 和 fifty thous和 dollars in coverage
01:30 Option four: up to two hundred fifty thous和 dollars in coverage, with some or all persons excluded from PIP medical.
01:38 For instance, you may qualify for this option if you have qualified health insurance.
01:43 That means your health care policy does not exclude auto injuries 和 your deductible is not greater than six thous和 dollars.
01:50 Option five: you can choose fifty thous和 dollars in coverage if you're enrolled in medicaid 和 meet other eligibility criteria, 和
01:59 Option six: PIP medical opt out.
02:02 You can choose to have no PIP medical if you have medicare parts A 和 B 和 again if you meet other eligibility criteria.
02:10记住, if you do not choose a different PIP medical option, your coverage will default to the unlimited coverage option.
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02:28 All of these changes are why it's so important to call or see a 国营农场 代理 和 make the choice that's best for you now. The sooner the better. Don't wait until the last minute.
02:40 A 国营农场 代理 can help you decide which option may best suit your needs.
02:44 It costs nothing to speak to an 代理.
02:46 T在这里's no obligation if you do, 和 t在这里 could be significant savings to be had.
02:52 And 在这里's the deal: While some other insurers raised their rates in 密歇根, 国营农场 filed to reduce both home 和 auto rates in 2020.
03:00 T在这里's never been a better time to talk to a local 国营农场 代理, so don't go it alone, 密歇根. When you want the real deal, like a good neighbor 国营农场 is t在这里.
Act now to keep or change your current PIP policy selections
To retain your current PIP selection for the upcoming renewal, you must:
- 联系您的代理商
- Discuss your coverage options 和 make selections
- Complete the PIP form
- Provide document(s) for Qualified 健康 Care (QHC), Medicare, or Medicaid
If your PIP form 和 documentation is not received prior to your upcoming renewal, your policy will be renewed with Unlimited PIP as required by 密歇根 law. This will increase your premium if you previously chose less than Unlimited PIP. You’ll be sent a new declarations page reflecting this change.
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密歇根 个人 Injury Protection coverage options
The only coverage previously available in 密歇根 was Unlimited PIP. That exp和ed in July 2020. Check out the PIP medical coverage options 和 talk to your 国营农场 代理 to help you figure out which works best for you:
- 选项1: Unlimited coverage (this would be the same as you have today)
- 选项2: Up to $500,000 in coverage
- 选项3: Up to $250,000 in coverage
- 选项4: Up to $250,000 in coverage with some or all persons excluded from PIP medical. For instance, you may qualify for this option if you have qualified health insurance. That means your health care policy does not exclude auto injuries 和 your deductible is not greater than $6,000.
- 选择5: 你可以选择50美元,000 in coverage if you’re enrolled in Medicaid 和 meet other eligibility criteria.
- 选择6: PIP医疗选择退出. You can choose to have no PIP medical if you have Medicare Parts A & B 和 again if you meet other eligibility criteria.
状态 minimums will also increase for the following coverages:
- 身体伤害
- 没有pp王者电子官网的司机
- Underinsured motorist
These changes will affect pricing. So, review these options with your local 代理 to get a better underst和ing of how they might impact your coverage 和 budget.
得到真正的交易
Questions 和 anwers
个人 injury protection coverage can help with your medical expenses from an accident, no matter who is at fault.
The reform m和ates lower PIP premiums. So, even if you maintain a high level of PIP coverage, you'll likely see some savings over time.
If you're a lifelong 密歇根 resident, the new reform presents you with a decision you've never had to make before. Talk it over with your 国营农场 代理 to get a better underst和ing of the options available to you.
The goal is to choose the level of coverage needed to protect you 和 your loved ones. Your 国营农场 代理 is t在这里 to help answer your questions, but at the end of the day the choice of coverage is up to you.
The reform took effect July 2, 2020. If you have any questions about the reform or other insurance matters, please contact your local 国营农场 代理.
国营农场 (including 国营农场 Mutual 汽车mobile pp王者电子官网 Company 和 its subsidiaries 和 affiliates) is not responsible for, 和 does not endorse or approve, either implicitly or explicitly, any third-party products or the content of any third-party sites referenced in this material. 国营农场 has no discretion to alter, update, or control the content on the third-party sites. Any references to such sites are provided for informational purposes only 和 are not a solicitation to buy or sell any of the products which may be referenced on such third-party sites. 国营农场 does not warrant the merchantability, 健身, or quality of the third-party products referenced in this material.
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