What do I need to know about the changes to Michigan's no-fault auto insurance law?

Who is this for?

Michigan Health Insurance – Customer Service – Learn More

This is for Blue Cross Blue Shield of Michigan members who want details about Michigan’s new no-fault auto insurance law that goes into effect on July 1, 2020.

Are you looking for the form that coordinates your auto and medical insurance after an accident? You can find what you’ll need on our subrogation page.

What has changed and how does it affect me?

The new Michigan no-fault auto insurance law means that residents are no longer required to buy unlimited personal injury protection, or PIP, with their auto insurance.  

You’ll have the option of choosing from different levels of personal injury protection coverage. What you choose is important because PIP covers more than medical expenses – it includes things like attendant care, housing modifications and lost wages due to an accident.

Note: The no-fault auto insurance law is not a health insurance law, therefore, you should discuss PIP coverage or other auto coverage with your auto insurer or agent. 

What type of information could my auto insurer request?

A letter showing proof that you meet the requirements for qualified health coverage or QHC may be asked for by your auto insurer. They may also request a coordination of benefits letter that shows how your health insurance and auto insurance work together to pay auto accident claims.

  • To request a QHC letter or a coordination of benefits letter, call the number on the back of your Enrollee ID card

What if I have an accident in another state?

If you’re involved in a car accident outside Michigan, your Blue Cross coverage remains unchanged. Claims are processed according to your benefits and the laws in effect in the state where you reside. If you’re injured by a driver in an at-fault state, reimbursement is pursued from the at-fault driver’s auto insurance provider. 

Where can I get more information?

Your auto insurer can help if you have questions about how the changes to the no-fault auto law affect your auto coverage.

The Department of Insurance and Financial Services (DIFS) can also help answer your questions.

Website: www.michigan.gov/autoinsurance

Phone: 1-833-ASK-DIFS (275-3437)

Email: autoinsurance@michigan.gov