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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Friday, December 31, 2021

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

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

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Shield Insurance Agency has been in business for so many years, we can shop a lot of different companies for a lot of different types of insurance to be sure you get what you need for the price you can afford. Check out the list!

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Gov. Whitmer Announces Michigan Opens to Full Capacity on June 22

FOR IMMEDIATE RELEASE: Michigan Opens

June 17, 2021 

Contact: Press@michigan.gov ernor

Gov. Whitmer Announces State will Open to Full Capacity on June 22 

More than nine million vaccines administered as new COVID cases fall to one-year low. 

LANSING, Mich. – Governor Gretchen Whitmer today accelerated the end of all COVID-19 epidemic orders on gatherings and masking as COVID-19 cases continue to plummet following increased vaccinations. Beginning June 22, capacity in both indoor and outdoor settings will increase to 100% and the state will no longer require residents to wear a face mask. 

“Today is a day that we have all been looking forward to, as we can safely get back to normal day-to-day activities and put this pandemic behind us,” said Governor Whitmer. “We owe a tremendous debt of gratitude to the medical experts and health professionals who stood on the front lines to keep us all safe. And we are incredibly thankful to all of the essential workers who kept our state moving. Thanks to the millions of Michiganders who rolled up their sleeves to get the safe, effective COVID-19 vaccine, we have been able to make these changes ahead of schedule. Our top priority going forward is utilizing the federal relief funding in a smart, sustainable way as we put Michigan back to work and jumpstart our economy. We have a once-in-a-lifetime opportunity to ensure that Michigan’s families, small businesses, and communities emerge from this pandemic stronger than ever before.” 

Nearly five million Michiganders ages 16 and older have received their first vaccine dose, according to Centers for Disease Control and Prevention data. According to data from the Michigan Care Improvement Registry, half of Michigan residents have completed their vaccination and over 60% have gotten their first shots. 

“This is great news and a day all of us have been looking forward to for more than a year,” said Elizabeth Hertel, Michigan Department of Health and Human Services director. “We have said all along that the vaccine would help us return to a sense of normalcy and today we announce that day is here.” 

Case rates, percent positivity and hospitalizations have all plummeted over the past several weeks. Currently, Michigan is experiencing 24.3 cases per million and has recorded a 1.9% positivity rate over the last seven days. 

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How credit affects auto insurance: Rates could increase up to 72%

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Article Highlights

Before offering you a policy, insurance providers analyze your risk profile by looking at things like your driving history, as well as personal details, such as age or marital status. This evaluation is used in determining your premium. 

But there’s another somewhat surprising factor that affects your premiums in all but three states: your credit score. Unless you live in California, Massachusetts, or Hawaii, expect your credit score to affect how much you pay to insure your car, at least to some degree. 

You may already be familiar with your credit score as determined by the three major credit bureaus, TransUnion, Experian, and Equifax, it’s important to know that insurers assign you an insurance credit score that varies from your traditional credit score. While your credit score plays a role in that insurance score, additional factors are also involved.

It’s important to understand why credit affects car insurance. Carriers’ proprietary credit-based insurance score provides a way to check two things: your likelihood of making insurance payments on time and your likelihood of filing a claim.  

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