Insurance: no-fault; election to opt out of PIP coverage; modify length of election. Amends sec. 3109a of 1956 PA 218 (MCL 500.3109a) & adds sec. 3015. TIE BAR WITH: HB 5886'26, HB 5888'26, HB 5889'26

Summary

The bill requires that a driver’s selected coverage levels for certain auto policies remain in effect while they stay with the same insurer or its affiliate, unless they actively choose a different option. It also permits insurers to offer reduced Personal Injury Protection (PIP) premiums or exclusions when the insured already has qualified health coverage, and sets out notice and reinstatement rules if that health coverage ends. The provisions apply to policies issued or renewed after June 30 2027 and only take effect if three companion bills also become law.

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