Drivers who rely on health insurance to pay for auto injuries may be responsible for their own medical bills if they lose or change their health insurance

Michigan Drivers Reminded to Take Quick Action after Health Insurance Changes That Could Leave Them Without Medical Coverage in the Event of an Auto Accident

March 08, 2021, | Press Release

(LANSING, MICH) The Michigan Department of Insurance and Financial Services (DIFS) is reminding Michigan drivers who excluded or opted out of Personal Injury Protection (PIP) medical coverage for themselves or a family member that changes to or loss of health insurance coverage in their household can also affect their auto insurance coverage. Drivers may need to take action within 30 days after such an event to ensure that no one in their household is left without medical coverage in the event of an auto accident.

“Auto insurance may not be the first thing that comes to mind when your health insurance changes, but people who choose to rely on their health insurance coverage for auto accident injuries must take quick action if they lose or change their health insurance,” said DIFS Director Anita Fox. “There may be serious financial consequences if someone in your household has opted out of or been excluded from PIP medical coverage, loses their qualified health insurance, and is then involved in an auto accident.”

Under Michigan’s new auto insurance law, drivers can select the level of PIP medical coverage that they want to have for themselves and their families, which covers their medical and other expenses if they are injured in an auto accident.

Drivers can opt-out or exclude themselves from PIP medical coverage, as long as they have qualified health coverage, which means either: Medicare Parts A and B or Medicare Advantage; a health insurance policy that doesn’t limit or exclude auto accident injuries and has a deductible of $6,000 or less per individual; or another Michigan auto policy, depending on their selection. Other family members in the household can also opt-out or exclude PIP medical on the auto policy if they have qualified health coverage or another auto insurance policy.

Under the new law, if a person who has opted out of or is excluded from PIP medical coverage loses qualified health coverage, and does not do one of the following in 30 days they may find themselves with no medical coverage if they are injured in an auto accident:

  • Get replacement qualified health coverage and provide proof of coverage to the auto insurer, or
  • Add PIP medical coverage to their auto insurance policy.

If they do not take action within 30 days, they will not be entitled to any PIP medical benefits, potentially making them personally responsible for their own medical bills in the event of an auto accident. During the 30-day period only, if the consumer is injured in a car accident before they have obtained alternate coverage, they may receive up to $2 million in coverage from the Michigan Assigned Claims Plan.

“It is critical that Michigan drivers or family members in their household who have opted out of or excluded PIP medical coverage who lose qualified health coverage get alternate coverage for auto accident injuries before this 30-day period runs out, whether by obtaining new health coverage or getting PIP medical coverage under an auto insurance policy,” said Fox. “If anyone in your family who opted out or excluded PIP medical coverage recently lost their qualified health coverage and does not know how to buy replacement health coverage, DIFS is here to help answer your questions so you and your family can get the coverage you need.”

Anyone who needs health coverage may purchase a plan and take advantage of subsidies to lower their costs during the current special enrollment period on the Health Insurance Marketplace, which runs from Feb. 15 through May 15. Coverage begins on the first day of the month after you enroll. To review coverage options and enroll, consumers can visit the Health Insurance Marketplace at HealthCare.gov or call the Marketplace Call Center at 800-318-2596 (TTY: 1-855-889-4325).

Consumers with questions about auto insurance can contact DIFS Monday through Friday from 8 a.m. to 5 p.m. at 833-ASK-DIFS (833-275-3437) or visit Michigan.gov/AutoInsurance.

Consumer Hotline: 877-999-6442
Laura Hall / Media Contact
517-290-3779 or email to halll17@michigan.gov

The mission of the Michigan Department of Insurance and Financial Services is to ensure access to safe and secure insurance and financial services fundamental for the opportunity, security, and success of Michigan residents while fostering economic growth and sustainability in both industries. In addition, the Department provides consumer protection, outreach, and financial literacy and education services to Michigan residents. For more information, visit Michigan.gov/DIFS or follow the Department on FacebookTwitter, or LinkedIn.

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Drivers who rely on health insurance to pay for auto injuries may be responsible for their own medical bills if they lose or change their health insurance

DIFS: Make Sure Your Health and Auto Insurance Policies Work Together to Protect Yourself and Your Family

Drivers who rely on health insurance to pay for auto injuries may be responsible for their own medical bills if they lose or change their health insurance

Media Contact: Laura Hall, 517-290-3779, DIFS-press@michigan.gov
Consumer Hotline: 833-ASK-DIFS, AutoInsurance@michigan.gov

From: DIFS Michigan Department of Insurance and Financial Services

FOR IMMEDIATE RELEASE: April 20, 2022

(LANSING, MICH) The Michigan Department of Insurance and Financial Services (DIFS) is reminding Michiganders that if someone in their household does not have Personal Injury Protection (PIP) medical coverage, a change in their health insurance can also affect their auto insurance coverage. Under Michigan’s auto insurance law that went into effect in 2020, eligible Michiganders may now choose to opt out of or exclude themselves or family members from PIP medical, but they must take quick action after a change in health insurance or they risk not having medical coverage in the event of an auto accident.

“Your auto insurance may not be the first thing that comes to mind if you lose your health insurance, but Michiganders may now rely on their health insurance coverage for auto accident injuries and they must take quick action to protect themselves and their families after a change,” said DIFS Director Anita Fox. “There can be serious financial consequences if someone in your household does not have PIP medical coverage, loses their qualified health coverage, and is then injured in an auto accident without taking the appropriate action.”

Michigan’s auto insurance law now gives Michigan drivers the chance to choose from six different PIP medical coverage levels when they buy or renew their auto insurance. PIP covers medical bills and other expenses for those who are injured in an auto accident.

For people who have Qualified Health Coverage (QHC), two options allow them to remove PIP medical coverage for themselves and/or eligible household members. To count as QHC, the driver’s health insurance policy must not exclude or limit coverage for auto accident injuries and must have an individual deductible of $6,000 or less. Medicare Parts A and B or Medicare Advantage also count as QHC, but VA Health Benefits do not.

If a person who has been excluded from PIP has a change in their health coverage, they may have no medical coverage in the event of an auto accident. To prevent this from happening, DIFS is urging Michiganders who have a health insurance change in their household to A.C.T.:

  • A – Ask your auto insurance company or agent about your PIP medical coverage choice and find out if you need QHC to maintain your current selection.
  • C – Contact your health insurer to determine if your new policy counts as QHC and to get an updated QHC letter.
  • T -Tell your auto insurance company immediately if you lose your QHC. You have 30 days to obtain replacement health insurance or make a different PIP medical selection, or you risk not having medical coverage for yourself and your family in the event of a crash.

Drivers who do not secure replacement PIP medical coverage or QHC will not be entitled to any PIP medical benefits after 30 days, potentially making them personally responsible for their own medical bills in the event of an auto accident.

The mission of the Michigan Department of Insurance and Financial Services is to ensure access to safe and secure insurance and financial services fundamental for the opportunity, security, and success of Michigan residents, while fostering economic growth and sustainability in both industries. In addition, the Department provides consumer protection, outreach, and financial literacy and education services to Michigan residents. For more information, visit Michigan.gov/DIFS or follow the Department on FacebookTwitter, or LinkedIn.

Consumers with questions about auto insurance can contact DIFS Monday through Friday from 8 a.m. to 5 p.m. at 833-ASK-DIFS (833-275-3437) or visit Michigan.gov/AutoInsurance.

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DIFS: Auto Insurance Refund Checks Are Coming Soon

Michigan Auto Insurance Rebates are Coming Soon

From the Department of Insurance and Financial Services

Feb. 1 is National Auto Insurance Day: Governor Whitmer Reminds Consumers that Auto Insurance Refund Checks Are Coming Soon

Millions of Michigan drivers to receive $400 per vehicle refunds no later than May 9, 2022

Media Contact: Laura Hall, (517) 290-3779, DIFS-press@michigan.gov 
Consumer Hotline: 833-ASK-DIFS, Michigan.gov/MCCArefund

FOR IMMEDIATE RELEASE: Feb. 1, 2022

(LANSING, MICH) February 1 is National Auto Insurance Day and Governor Gretchen Whitmer and the Michigan Department of Insurance and Financial Services (DIFS) are reminding consumers to be on the lookout for refund checks from the Michigan Catastrophic Claims Association (MCCA) fund surplus that will be sent out by auto insurers later this spring.

“The bipartisan auto insurance reform law I signed has saved Michiganders hundreds of dollars per year and, as a further result, auto insurance companies will deliver $400 refund checks per vehicle to drivers no later than May 9,” said Governor Whitmer. “We are putting money back in people’s pockets and putting Michiganders first as we grow our economy and continue lowering costs for families.”

“DIFS has communicated to insurers that refund checks or ACH deposits must be delivered to eligible consumers by their auto insurers as quickly as possible, and in no case later than May 9, 2022,” said DIFS Director Anita Fox. “We are working with the MCCA and Michigan’s auto insurance companies to ensure they accurately, fairly, and promptly issue these refunds.”

In December, the MCCA announced it will refund Michigan policyholders $400 per vehicle, or $80 per historic vehicle, for each vehicle that was insured under a policy that meets the minimum insurance requirements for operating a vehicle on Michigan roads as of 11:59 p.m. on October 31, 2021. The funds will be turned over by the MCCA to the insurance companies by March 9, 2022. DIFS has directed insurers to issue refund checks or ACH deposits to consumers as expeditiously as possible, but in no event later than 60 days after the transfer of funds, which is May 9, 2022.

As part of its core mission to protect consumers, DIFS is also reminding Michiganders that scammers may try to take advantage of consumers with scams or phishing operations based on their MCCA refund.

“Whenever there is a widespread distribution of funds to consumers, inevitably there will be bad actors who attempt to take advantage of the situation in order to steal personal information or money from consumers,” said Fox. “You do not need to take action to receive a refund, and if someone calls to ask for your personal information in order to process a refund – hang up and contact your insurer or DIFS.”

Consumers who have questions or concerns that cannot be resolved directly with their insurer should contact DIFS by calling Monday through Friday 8 a.m. to 5 p.m. at 833-ASK-DIFS (833-275-3437) or by emailing autoinsurance@michigan.gov. DIFS has also launched a consumer FAQ page at Michigan.gov/MCCArefund. The webpage contains important information and answers common questions about the refund timeline and eligibility requirements.

The mission of the Michigan Department of Insurance and Financial Services is to ensure access to safe and secure insurance and financial services fundamental for the opportunity, security, and success of Michigan residents, while fostering economic growth and sustainability in both industries. In addition, the Department provides consumer protection, outreach, and financial literacy and education services to Michigan residents. For more information, visit Michigan.gov/DIFS or follow the Department on FacebookTwitter, or LinkedIn.

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DIFS: Auto Insurance Refund Checks Are Coming Soon

DIFS Warns Consumers of Possible MCCA Refund Scams

From Michigan.gov

Press Release

DIFS Warns Consumers of Possible MCCA Refund Scams

Media Contact: Laura Hall, (517) 290-3779, DIFS-Press@michigan.gov
Consumer Hotline: 833-ASK-DIFS, Michigan.gov/MCCArefund

FOR IMMEDIATE RELEASE: January 11, 2022

(LANSING, MICH) The Michigan Department of Insurance and Financial Services (DIFS) is encouraging consumers to be on the lookout for scammers who may try to exploit the recent announcement that Michigan drivers will be receiving refunds from the Michigan Catastrophic Claims Association (MCCA) in 2022.

“Whenever there is a widespread distribution of funds to consumers, inevitably there will be bad actors who attempt to take advantage of the situation in order to steal personal information or money from consumers,” said DIFS Director Anita Fox. “Your refund check or ACH deposit will come directly from your insurer, and you will not have to take any action to receive it. Never give out personal information to a caller claiming to be from your insurance company.”

In December, the MCCA announced it will refund Michigan policyholders $400 per vehicle that was insured under a policy that meets the minimum insurance requirements for operating a vehicle on Michigan roads as of 11:59 p.m. on October 31, 2021. The funds will be turned over by the MCCA to the insurance companies by March 9, 2022, and DIFS has directed insurers to issue refund checks or ACH deposits to consumers as expeditiously as possible, but in no event later than 60 days after the transfer of funds, which is May 9, 2022.

If you are contacted by anyone claiming to be a representative of the MCCA, your auto insurance company, or another official, end the communication with the individual reaching out to you, and contact your auto insurer directly. Consumers who have questions or concerns that cannot be resolved directly with their insurer should contact DIFS by calling Monday through Friday 8 a.m. to 5 p.m. at 833-ASK-DIFS (833-275-3437) or by emailing autoinsurance@michigan.gov.

If you would like to learn more about the MCCA refunds, DIFS has launched a consumer FAQ page at Michigan.gov/MCCArefund. The webpage contains important information and answers common questions about the refund timeline, eligibility requirements, and tells consumers what to do if they have questions or concerns about their refunds.

The mission of the Michigan Department of Insurance and Financial Services is to ensure access to safe and secure insurance and financial services fundamental for the opportunity, security, and success of Michigan residents, while fostering economic growth and sustainability in both industries. In addition, the Department provides consumer protection, outreach, and financial literacy and education services to Michigan residents. For more information, visit Michigan.gov/DIFS or follow the Department on Facebook, Twitter, or LinkedIn.

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How Much Do Cold Temperatures Affect an Electric Vehicle’s Driving Range - Shield Insurance Agency Blog

How Much Do Cold Temperatures Affect an Electric Vehicle’s Driving Range?

The cold, hard truth about winter’s effects on EV batteries

By Consumer Reports | December 19, 2021

With a proliferation of choices covering electric vehicle styles and driving range, more Americans are considering purchasing an EV. One of the common hesitations, aside from range anxiety in general, is how an electric car will perform in extreme temperatures. But should this concern prevent a potential buyer from making the leap to an EV?

The main reasons driving range goes down in cold weather are the impact on battery chemistry when parked and the drain in order to maintain battery temperature and supply cabin heat. Cold temperatures can reduce an unplugged EV’s range by about 20 percent, according to testing by the Norwegian Automobile Federation, and recharging takes longer than in warm weather. 

Running the cabin heater, seat heaters, defroster, and other accessories that combat the cold weather inside the car all sap range. For cold temperatures, what we have found is that 20° F and colder is when the range really drops. (Learn how to get the most out of your car’s heater.)

Click here for the rest of the story…


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Flos Restaurant Gift Card given away from Shield Insurance Agency

Gift Card Winners Compliments of Shield Insurance Agency!

Friday, December 31, 2021

Every week, Shield Insurance Agency draws a winner of a local gift card from its clients and social media followers.

Why? Because we love giving stuff away!

Be sure to LIKE our Facebook Page to get yourself entered to win and see who the winners are!

Shield Insurance Agency has given away thousands of dollars in local gift cards over the last 20 years serving Michigan.

Look who is winning!

Shield Insurance Weekly Gift Card Winner
Shield Insurance Weekly Winner
Target Gift Winner from Shield Insurance Agency in Michigan
Subway Giftcard Winner from Shield Insurance
Meijer gift card winner from Shield Insurance Agency
Shield Insurance Agency Lowes Gift Card Winner
Shield Insurance Agency Denny's Gift Card Winner
Shield Insurance Agency Cracker Barrel Gift Card Winner
Shield Insurance Agency Meijer Gift Card Winner
Shield Insurance Agency Lowes Gift Card Winner!
Shield Insurance Agency Target Gift Card Winner!
Shield Insurance Agency Red Robin Gift Card Winner
Panera Bread Gift Card Winner at Shield Insurance Agency
Subway Gift Card Winner at Shield Insurance Agency
Shield Insurance gives away another local gift card!
Target Shield Insurance Gift Card Give A Way
Red Robin Gift Card Winner at Shield Insurance Agency

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Teens Build Bus Stop Shelter for 5-Year-old Wheelchair User, Protecting Him From Harsh Weather - Shield Insurance Blog

Teens Build Bus Stop Shelter for 5-Year-old Wheelchair User, Protecting Him From Harsh Weather

GoodNewsNetwork | By Ailsa Ross | Dec 20, 2021

Teenagers have built a bus stop shelter for a five-year-old boy who uses a wheelchair after noticing he got wet while waiting for the school bus in winter.

Five-year-old Ryder Killam has had to battle rain, wind, and snow for about 15 minutes every day, using only a patio umbrella as protection.

But after hearing about his problem, local students in Bradford, Rhode Island, got to work and built him his own bus shelter for the bottom of his driveway during their construction lessons.

Ryder’s father Tim said, “Ryder uses it every day before school and his nurses wait inside it every day while they await his return home.

“He does like to go hang out in it from time to time as his fort as well.

“This project brought out community together a bit, it showed that there is still so much good in this world and town!”

Bus Stop Shelter

Click here for the rest of the story…


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Shield Insurance is helping Roslyn & Maddox by donating $25 to the family for each non-client who gets a quote from Shield

Shield Referral Program Supports Local Family

Shield Referral Program Supports Local Sparta, Michigan Family

Your Referrals to Shield Insurance Agency Help a Local Family in Need

Your referral can make a difference for Roslyn and Maddox who both have a form of Arthrogryposis Multiplex Congenital. Shield Insurance is helping this Sparta, MI family by donating $25 for each non-client who gets a quote from us.

No purchase necessary!

CLICK HERE to get a quote and we’ll donate $25 to them! (Be sure to mention Roslyn and Maddox in the comment section!) You can also call or text the office (616) 896-4600 and one of our agents will take a few minutes of your time to offer up a quote. Don’t forget to mention Ros and Maddox

“The highest compliment we can receive is the referral of your friends, family & business associates. Thank you for your trust!”

Meet Roslyn
Roslyn and Shield Insurance Agency Referral Program

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The do's and don'ts of driving with a trailer - Shield Insurance Agency Blog

The do’s and don’ts of driving with a trailer

 by The Foremost Creative Team

Whether you’re taking a road trip or taking the family camping, driving with a trailer can be a challenge. According to eTrailer.com, when you add a trailer to your vehicle, the overall handling, and rules of driving dramatically change. Using your hitch to tow your favorite travel trailer means you should give yourself more time to slow down and turn corners. It’s important that drivers of all experience use trailer brakes to decrease speed evenly with the added weight that’s being towed. And, because trailers don’t follow the exact path as the vehicle on turns, always remember to safely swing out wider when traveling around bends and corners.

Here are some do’s and don’ts of towing to keep you safe on the road.

Do’s

  • Gradually reduce speed
  • Travel at an even, moderate speed
  • Steady the steering wheel — sudden turns can cause more sway
  • Be cautious of potholes and large bumps
  • Use a lower gear over large hills or down gravel roads
  • Avoid slamming on the brakes — jackknifing could occur

Don’ts

  • Consistently stay in overdrive and/or in a high gear
  • Attempt to steer out of trailer sway
  • Forget to add sway control or a weight distribution system
  • Be afraid to safely stop and reload trailer in case of engine problems, sway, flat tires, etc.

Foremost wants you to tow and travel safely!


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Shield Insurance Agency Home Office in Hudsonville, Michigan

Happy Halloween to All!

Shield Insurance Agency wishes everyone a Safe and Happy Halloween!

Stop by the office, any time of the year, and we will have some treats for everyone!

We are located at 3214 Chicago Drive in Hudsonville, MI

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