Video: Mayor Duggan Shows Detroiters and Others How to Cut Michigan Auto Insurance Bills

June 19, 2020, 12:24 AM

Mayor Mike Duggan delivered a live seminar on Thursday night to help Detroiters reduce vehicle insurance costs under a state law taking effect July 2. Motorists gain options on personal injury protection coverage.

“Insurance companies make more money if you stay with the higher rates" for unlimited medical coverage, he says. "That's why they're not all over you to switch."

Below are new options for Personal Injury Protection coverage, which has been required at the unlimited level since 1973. The last five reduce rates:

  • Option 1: Unlimited Coverage 

  • Option 2: Up to $500,000 in coverage

  • Option 3: Up to $250,000 in coverage

  • Option 4: Up to $250,000 in coverage with some exclusions. For instance, you may qualify for this option if you have qualified health insurance. That means your health care policy does not exclude auto injuries and your deductible is not greater than $6,000. 

  • Option 5: You can select $50,000 in coverage if enrolled in Medicaid as well as meet other eligibility criteria.

  • Option 6: PIP Medical Opt-Out. You can choose option this if you have Medicare Parts A & B and meet other eligibility criteria. 

Here's a video of the mayoral seminar.

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