What Do I Need to Know About the Changes to Michigan's No-Fault Auto Insurance Law?

What has changed and how does it affect me?

The updated 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.

How can I get a QHC letter?

There are several ways you can request a qualified health coverage letter.

You can log in to your online member account to see if you have a QHC letter to download. Once logged in, find the QHC letter in the Proof of Insurance section.

You can call the number on the back of your member ID card.

If you don't see a QHC letter online or are unable to get one through calling the number on the back of your card, you can reach out to your employer to request the letter.

What if I have an accident in another state?

If you’re involved in a car accident outside Michigan, your Blue Cross Blue Shield of Michigan 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 company.