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CPAN Patient Resource: Auto No-Fault Lifetime/Unlimited Medical Coverage Vs. Medicare

Understanding Choices Under Michigan’s Amended Auto Insurance Law – The Facts!

Download this important patient resource here.

CPAN Patient ResourceFor more than four decades, Michigan’s auto no-fault law ensured that individuals and their loved ones would have their care covered if they were seriously injured in a motor vehicle crash, no matter who was at fault. That all changed in 2019, when Michigan lawmakers amended the law. The major changes brought about by this new law have dramatically affected all consumers and their families. This is especially true for seniors and those on Medicare or Medicaid.

Under these amended laws, drivers are now required to make certain specific choices regarding their medical expense and liability insurance coverages. Make no mistake about it, these choices and their associated risks are significant, especially when driving is the most dangerous activity many people do on a regular basis.

Medicare beneficiaries have the option to opt out of PIP medical coverage altogether. Michiganders on Medicaid can purchase a PIP coverage policy capped at $50,000.

To help protect drivers and families, CPAN, Michigan’s consumer advocate for auto insurance policyholders, has prepared a flier to assist consumers in making these choices. It provides a comprehensive comparison of No-Fault Unlimited/Lifetime medical coverage versus what is covered under Medicare and Medicaid. This flyer is a valuable educational tool that will help your patients with Medicare and Medicaid as their primary health coverage make informed auto insurance coverage decisions.

More consumer information about Michigan auto insurance, including explainer videos and a FAQ section, can be found at There is also a special page for seniors:

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