Scored 3/10 on whether it helps or hurts everyday people.
The Auto Injury Bill
Insurers may add $1,000 deductibles to auto injury coverage
Insurance: no-fault; deductibles for PIP benefits; require insurer to offer. Amends sec. 3109 of 1956 PA 218 (MCL 500.3109).
Bad for everyday people ·
If passed, Michigan drivers could have to pay a deductible before their no-fault injury insurance pays, even though they might get lower premiums.
Our take
What we think, in plain words.
The bill lets insurers charge a deductible, shifting money from the insurer to the driver; that could mean higher out-of-pocket bills for accidents, even if premiums drop.
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The facts
What the bill actually says, no spin.
- The bill amends Michigan insurance code section 3109.
- It allows insurers to offer deductibles up to $1,000.
- Deductibles must lower the premium.
- Applies to the insured, spouse, and household relatives.
- Deductibles are subtracted from PIP benefits.
In the news
Scanning the news for this bill…
Headlines gathered from across the news, starting points to explore, not endorsements. Always read the official text before acting.
Sources
Read it yourself: the official bill and records.
This bill is in the Michigan Bill Book 2026
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