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  • Home Page
    • About Our Agency
    • Our Process
    • Insurance Company Mobile Apps
  • Easy Quote
    • Car Insurance Quote
    • Home Insurance Quote
    • Renters Insurance Quote
    • RV & Rec Vehicles
    • Dwelling Fire
    • Life/Health/Disability
    • Umbrella
    • Flood
    • Animal Mortality
    • Commercial Insurance
  • Service Center
    • Tips Library >
      • Pioneer State Mutual Announcements
    • Payment
    • Submit/Request Docs
    • Insurance Claims
  • Contact Us
  • MI No-Fault Reform
    • Bodily Injury
    • Personal Injury Protection
    • Mini-Tort
    • How do I save?
    • How to protect my family?
    • No-Fault Reform Discussion

BODILY INJURY

MICHIGAN
​Effective 7.2.2020

DEFINED:

Coverage against being sued when a person covered by your auto policy becomes legally responsible for damages related to the bodily injury of others in an auto accident.

CHANGES: 

Starting July 2, 2020

1. State Minimum Limits

Was: $20,000 per person, $40,000 per accident
Now: $50,000 per person, $100,000 per accident
Our Opinion? This is a step in the right direction. None of our customers will see a change here because we as an agency never wrote State minimum limits, but our customers will see the indirect benefit by other drivers being guaranteed to have higher limits

2. State "Recommended" Limits

Was: nothing
Now: $250,000 per person, $500,000 per accident
Our Opinion? A step in the right direction! The State now asks that all drivers have this limit or better, but allows for driver's to have lower by signing off on a form that is submitted to the driver's company. Why is this not a slam dunk? We would prefer if this were the State minimum but are happy with the improvement in the security for Michigan drivers

3. Sign-Offs

As mentioned in #2, if you want limits less than $250,000 per person, $500,000 per accident, you will have to sign a form and turn it in to the company. Forget to do so and you default to $250,000/$500,000. 

If you forgot to turn it in, you can change your limits at a later date, but will have to sign off on the form and your rate will only change from the date the company receives it.

4. Comparative Negligence

Currently, a party has to be found to be 51% at fault or more in order for there to be any liability.

In the new system, even if you are 1% at fault, your policy can be brought in to pay for 1% of the other party's injuries. 

That may not seem like a lot, but if you are found to be 30% at fault and the other party has injuries of $500,000 (which can and does happen), you would be on the hook for $$150,000

Phone

Phone: 616-850-1111
Fax: 616-223-6996

Location

297 Main St
Coopersville MI 49404

Hours

Monday - Friday
9:00 - 5:00
CALL ANYTIME, ANYDAY
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Allendale Insurance Agency, selling Auto, Home, Life and Business Insurance.
Coopersville Insurance Agency