MSU Human Resources >> News feeds >> Michigan No-Fault Insurance Reform Goes into Effect July 2020

Michigan No-Fault Insurance Reform Effective July 2020

Last year, Governor Whitmer signed a bipartisan no-fault auto insurance reform bill designed to provide savings to Michigan drivers and strengthen consumer protections. That reform takes effect next month. Learn more about Michigan’s no-fault auto reform here.

Under the current law, drivers are required to carry unlimited medical coverage to pay for any expenses if they are injured in an auto accident. The new law now allows drivers to choose their level of medical coverage. 

Coordination of Benefits with Michigan No-Fault Auto Insurance

MSU’s sponsored group health plans coordinate benefits under the state of Michigan's coordination of benefits law, including the no-fault auto insurance law. This means MSU employees’, retirees’, graduate assistants’ and students’ health plans meet the requirements to be considered qualified health coverage. MSU health plans do not exclude or limit coverage for injuries related to motor vehicle accidents. Health plans through MSU have an annual deductible of $6,000 or less per individual.

The basic no-fault auto policy has three parts: Personal Injury Protection (PIP); Property Protection Insurance (PPI) and Residual bodily injury and property damage liability. The PIP portion of your no-fault policy pays for medical costs if you are hurt in a motor vehicle accident. Keep in mind that Michigan No-Fault Personal Injury Protection (PIP) coverage pays for more than medical expenses — including things like attendant care, housing modifications, lost wages, etc. You should discuss PIP coverage and other motor vehicle coverage with your auto carrier or agent. 


Please consult with your automobile insurance carrier if you have any questions about the terms and coverage options of your no-fault policy. The university cannot answer questions about your no-fault automobile policy.

For Employees and Retirees

If your auto insurance carrier requests or requires confirmation of your university health plan meeting the requirements to be considered qualified, please provide them with this letter: 2022 version and 2023 version. They may also contact the HR Solutions Center at If your auto carrier is requesting further documentation regarding coordination, please contact your respective vendor for assistance. 

For Graduate Assistants

Please contact the HR Solutions Center at to confirm credible coverage.

For Students

Please contact Blue Care Network of Michigan at (800) 287-4103 to confirm credible coverage.