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  • Service
    • Report a Claim
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  • Insurance
    • Property >
      • Home Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Vehicles >
      • Auto Insurance
      • Auto Insurance Reform >
        • FAQ
        • MCCA & MACP Fees
        • What is Mini-Tort
      • Boat Insurance
      • ATV Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Health
    • Dental
    • Medicare
    • Life
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Insurance Bonds
      • Workers Compensation
    • Other >
      • Event Insurance
      • Travel Insurance
      • Umbrella Insurance
      • Wedding Insurance
    • Specialty Insurance
  • About
    • Our Team
    • Locations
    • Refer a Friend
    • Insurance Carriers
    • Dickinson Area Chamber of Commerce
    • Agency Photo Gallery
    • News
  • Contact
    • Contact Us
    • Schedule an Appointment
  • UPHealthPlans
  • 906 Health Brokers


Michigan Auto Insurance Reform

We are your auto reform specialists. You don't have to wait for your auto insurance policy to renew to start saving money.
​Let us help you today!

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​
​Michigan No-Fault Auto Reform
​
Frequently Asked Questions

(906) 774-8500
100 S. Carpenter Ave.
Kingsford, MI 49802​
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​What is No-Fault?
Drivers in Michigan are responsible for covering damages to their own vehicle due to an accident, regardless of who caused the accident. While Michigan’s No Fault offers the best unlimited medical protection, it also is the reason for Michigan’s car insurance rates to be the second highest monthly bill most people have.

Why did the State change it?
To reduce costs through medical fee schedules and fraud controls. Medical providers won’t be able to charge auto insurers more than about 200% of what Medicare pays. Starting July 2nd 2020, you are also able to choose from different medical options, which could lower the cost of your auto insurance premium.

What are my options?
There are several different options and it is very important that you talk to your agent about them, since every insurance company might have a slightly different set of rules. While choosing a lower medical limit could decrease your premium, it also comes with a risk. The risk of not being covered appropriately in case of an auto accident.

So, how much will I save?
The good news is that the MCCA fee will be reduced from $220, per year, per vehicle to $100 per year and vehicle.(See our “What is the MCCA fee” post for more info add link to post???) However, it is difficult to estimate your savings without looking at your policy and going over the options first. This is because each policy has unique factors that need to be considered, when calculating your new premium.

Should I increase my Bodily Injury or Uninsured/Underinsured Motorist limits?
Yes. The reason being that the new law allows a person to sue for medical expenses, if his/her limits are used up and you were at fault.

Do I have to do anything?
We highly recommend talking to your agent, so that you understand your options and can make the right decision for you and your family.       Contact an agent today.
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Kingsford
100 S. Carpenter Ave.
Kingsford, MI 49802

Gladstone
508 Stearns Ave. 
Gladstone, MI 49837