michigan auto reform

Welcome To Peabody Insurance Auto Reform Center

Thanks for your interest in Peabody Insurance and Michigan Auto No-Fault Reform. Below you will find important information from the Department of Insurance and Financial Services regarding Personal Injury Protection medical coverage levels. We have also included some SHORT videos which will help you to navigate the complexity of auto reform to make smart insurance decisions. If you have questions about any of the content covered here (or anything else), you can reach an agent through the chat button in the bottom right corner or call (810) 629-1504. 


So What Is Auto Reform?

For the past 45 years, Personal Injury Protection (pip) has been unlimited in the state of Michigan. Now, Effective July 1st, Michigan residents will be able to choose the amount of coverage from unlimited to even opting out of coverage. In this video, I’ll tell you why Peabody Insurance Agency recommends keeping your Unlimited Coverage and why.


Who Is Covered On Your Policy?

Is your child a rated driver and living somewhere else? Do you have someone living with you who is not a relative? In this video, I explain who may or may not be covered under the new Auto Reform Law.


New order of Priority for PIP Medical

In this video, you will learn about the new Order of Priority for Personal Insurance Protection. We have included an easy chart for your reference and have given five scenarios to help you understand how your auto policy will respond if you are injured in an auto accident: Occupant of a Private Auto, Occupant of an Auto for Hire (like an Uber), Occupant of a Company Car, Occupant of a Motorcycle and finally a pedestrian or a non-Occupant.


Qualified Health Plan

Some Health Insurance plans do not provide medical coverage if you are injured in an auto accident. It is important for you to know if your health plan is considered a Qualified Health Plan, which is a plan that has an individual deductible of $6000 or less and does not exclude or limit coverage in the event you are injured in an auto accident. This video will help you understand the Qualified Health Plan.