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Michigan auto insurance reform - rate change sneak peek

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MWmetalhead
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Re: Michigan auto insurance reform - rate change sneak peek

Post by MWmetalhead » Mon Jun 08, 2020 8:17 pm

For Medicaid, so long as all other members of your household have an auto insurance policy or health insurance policy that covers auto accident injuries, you are allowed to purchase as little as $50,000 of PIP for yourself.

If you are the only person in your household, then the above qualifier obviously doesn't apply, and you are free to purchase as little as $50,000 in PIP coverage for yourself.

More info:
https://www.jdsupra.com/legalnews/how-d ... law-46906/

https://www.michigan.gov/autoinsurance/ ... 20injuries.

By the way - my COVID-19 premium rebate from Liberty Mutual was a whole $40. Whoopie! :lol

I think they took my premium for the months of April & May, subtracted a prorated MCCA fee, and gave me back 15 percent of the remainder. Pretty pitiful considering I drove maybe 25% of my normal mileage in those two months.


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Re: Michigan auto insurance reform - rate change sneak peek

Post by MWmetalhead » Sat Jun 13, 2020 8:17 am

Geico seems to be having MAJOR issues with its technology and with the transition in general.

Now, their web site says they are providing quotes for Michigan auto policies neither online nor by phone. What a joke! But hey, they do provide a toll free number where you can request a paper application to be sent by snail mail. :lol

Travelers isn't offering online quotes for Michigan auto policies right now but *is* giving instant quotes over the phone.

The douche bags at the Hartford, after completing the online quote form, instead of providing an actual quote instead prompt you to complete and mail in a paper quote request form. Un-fucking-believable.

So far, the two companies who seem to be most "with it" are Progressive and AAA by far. Bear in mind I haven't checked Allstate or Esurance. I also haven't checked MetLife. (I've heard bad things about Allstate, but their online reviews seem to be good.)


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Re: Michigan auto insurance reform - rate change sneak peek

Post by MWmetalhead » Sat Jun 13, 2020 8:40 am

Okay, so I just gave Allstate a whirl...

Allstate's web site only provides quotes for policy start dates no more than 10 days into the future. So, I was only able to obtain an instant quote based on CURRENT law.

Their pricing is an absolute joke. It's as bad or worse than State Farm! My quote for a 6-month policy with electronic documents and auto debit was more than $1,200.

As a reminder, my premium for the 6-month Progressive policy I purchased, to take effect July 2, is only $445.


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Re: Michigan auto insurance reform - rate change sneak peek

Post by MWmetalhead » Fri Jun 19, 2020 4:07 pm

In one of my earlier posts, I mentioned zip code and credit score as two important determinants in premiums assessed.

Under the new law, those factors are disallowed, as are marital status and education level.

However, usage of credit history (i.e. have you had any late payments or bankruptcies) and "geographical territory" is still permissible when setting rates.


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Re: Michigan auto insurance reform - rate change sneak peek

Post by MWmetalhead » Fri Jun 26, 2020 9:36 pm

To follow up on an earlier comment of mine:
If you have Medicare Plan A or B, you are entitled to $250,000 of personal injury protection coverage for free.

If you want unlimited PIP coverage, you'll have to pay for it just like now (although premium will be less than under current law).
The above statement is true. What I failed to mention is Medicare A&B already covers auto accident injuries, so purchasing PIP is essentially double coverage. I cannot speak to quality of care issues, though. Quality of care might be much better if your auto insurer is flipping the bill. I don't know.


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Re: Michigan auto insurance reform - rate change sneak peek

Post by Lucky615 » Sat Jun 27, 2020 10:00 am

MWmetalhead wrote:
Fri Jun 26, 2020 9:36 pm
To follow up on an earlier comment of mine:
If you have Medicare Plan A or B, you are entitled to $250,000 of personal injury protection coverage for free.

If you want unlimited PIP coverage, you'll have to pay for it just like now (although premium will be less than under current law).
The above statement is true. What I failed to mention is Medicare A&B already covers auto accident injuries, so purchasing PIP is essentially double coverage. I cannot speak to quality of care issues, though. Quality of care might be much better if your auto insurer is flipping the bill. I don't know.
Thanks for the Medicare info in regards to the auto insurance reform. I appreciate this very much.


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Re: Michigan auto insurance reform - rate change sneak peek

Post by bugzapper » Sun Jun 28, 2020 9:13 am

Lucky615 wrote:
Sat Jun 27, 2020 10:00 am
MWmetalhead wrote:
Fri Jun 26, 2020 9:36 pm
To follow up on an earlier comment of mine:
If you have Medicare Plan A or B, you are entitled to $250,000 of personal injury protection coverage for free.

If you want unlimited PIP coverage, you'll have to pay for it just like now (although premium will be less than under current law).
The above statement is true. What I failed to mention is Medicare A&B already covers auto accident injuries, so purchasing PIP is essentially double coverage. I cannot speak to quality of care issues, though. Quality of care might be much better if your auto insurer is flipping the bill. I don't know.
Thanks for the Medicare info in regards to the auto insurance reform. I appreciate this very much.
Yes, thank you!



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Re: Michigan auto insurance reform - rate change sneak peek

Post by TheForce » Fri Jul 10, 2020 7:17 am

I logged into Progressive today and I didn't see any guidance on these changes and how to do them. My renewal deadline was June 30th.

I did some checking about requirements for neighboring states. Illinois, Indiana, and Ohio do NOT require PIP coverage at all.



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Re: Michigan auto insurance reform - rate change sneak peek

Post by MWmetalhead » Sat Jul 11, 2020 10:04 am

If you are an existing Progressive policy holder whose policy auto-renewed prior to July 2, you will probably need to call their toll free number and speak with a customer service representative.

Hopefully, they won't give you the "run around."


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Re: Michigan auto insurance reform - rate change sneak peek

Post by MotorCityRadioFreak » Sat Aug 01, 2020 3:16 am

Saved $140 in switching to Progressive and got a $22 check for the lack of use during April and May from my former provider.


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