This bill updates Michigan’s no-fault auto insurance by giving drivers a choice of medical injury coverage limits: $50,000 (Medicaid households only), $250,000, $500,000, or unlimited. If no choice is made, unlimited coverage applies. The chosen limit covers the driver, spouse, and relatives at home, and prevents duplicate claims by not allowing claims to be stacked across policies. Rideshare companies can’t pick the $50,000 option, and the bill clarifies when a car is considered a rideshare vehicle. Insurers must also offer an optional add-on for extra in-home care coverage after an accident.
