The changes, by date
| Change | Applies | Statute |
|---|---|---|
| Tolling of the one-year-back rule while a specific claim awaits a formal denial | June 11, 2019 | MCL 500.3145(3) |
| Specialty matching for insurer medical examiners | June 11, 2019 | MCL 500.3151(2) |
| Out-of-state residents generally barred from Michigan PIP | June 11, 2019 | MCL 500.3113(c), 3163 |
| Assigned claims plan medical limit of $250,000 | Crashes after July 1, 2020 | MCL 500.3172(7) |
| PIP medical coverage choices and Medicare opt-out | Policies issued or renewed after July 1, 2020 | MCL 500.3107c, 3107d |
| Default bodily injury limits of $250,000 / $500,000 | Policies issued or renewed after July 1, 2020 | MCL 500.3009 |
| Required PIP premium reductions | Policies effective July 2, 2020 until July 2, 2028 | MCL 500.2111f |
| Mini-tort raised from $1,000 to $3,000 | Crashes after July 1, 2020 | MCL 500.3135(3)(e) |
| Utilization review rules for providers | July 2, 2020 | MCL 500.3157a |
| Fee schedule for providers | Care after July 1, 2021 | MCL 500.3157 |
| Family and friend attendant care limited to 56 hours a week | Care after July 1, 2021 | MCL 500.3157(10) |
What changed for injured people
Coverage is no longer unlimited by default
Before the reform, every Michigan policy provided lifetime PIP medical benefits. Now drivers choose unlimited, $500,000, $250,000 or, if they qualify, $50,000 or no PIP medical. If no valid selection is made, the policy is unlimited. See choosing a PIP coverage level.
Family attendant care is capped
Insurers must pay for no more than 56 hours a week of in-home attendant care by a relative, household member or someone with a prior business or social relationship with the injured person, unless the insurer agrees to more. See attendant care.
Providers are paid by schedule
Most care is capped at a percentage of what Medicare pays: 200% after July 1, 2021, 195% after July 1, 2022 and 190% after July 1, 2023. Where Medicare has no rate, the cap is a percentage of the provider’s January 1, 2019 charge, now 52.5%. Some providers have access problems as a result. See the fee schedule.
New rules for lawsuits against at-fault drivers
- You can sue the at-fault driver for medical costs above your PIP limit (MCL 500.3135(3)(c)).
- Damages are not awarded to a party more than 50% at fault, and a person driving their own uninsured vehicle cannot recover noneconomic damages (MCL 500.3135(2)(b), (c)).
- The mini-tort for vehicle damage rose to $3,000. See property protection and the mini-tort.
Insurer medical exams and deadlines
Insurer-hired examiners must now match the specialty of your treating specialist, and the one-year-back rule is tolled while a specific claim waits for a formal denial, as long as you pursue it with reasonable diligence.
Who the reform does not reach
In Andary v USAA, decided July 31, 2023, the Michigan Supreme Court held that the fee schedule and the attendant care hour limit do not apply to people injured, while covered by a policy issued, before June 11, 2019. Those people keep the pre-reform rules for those benefits for life. See Andary v. USAA explained.
For post-reform crashes, courts continue to sort out how the rules apply. In West Michigan Home Care Services v MEEMIC (October 20, 2025), the Court of Appeals addressed reimbursement for home care, and DIFS Bulletin 2026-15-INS (April 2026) addressed home care rates. See Bulletin 2026-15 for home care.
Bills to change the law further are introduced regularly. House Bills 5886 to 5889, introduced in April 2026, would revise the PIP choices and the MCCA. As of October 22, 2026 they remain in committee and are not law.
Sources: 2019 PA 21; 2019 PA 22; MCL 500.2111f, 3009, 3107c, 3107d, 3113, 3135, 3145, 3151, 3157, 3172; Andary v USAA (Mich. Sup. Ct., July 31, 2023); West Michigan Home Care Services v MEEMIC (Mich. Ct. App., Oct. 20, 2025); DIFS Bulletin 2026-15-INS.
Questions people ask us
Do the 2019 no-fault changes apply to my crash?
It depends on the change and on dates. Some parts took effect June 11, 2019, coverage choices apply to policies issued or renewed after July 1, 2020, and the fee schedule applies to care after July 1, 2021. Under Andary v USAA, the fee schedule and family attendant care cap do not apply to people injured, while covered by a policy issued, before June 11, 2019.
What did Andary v USAA decide?
On July 31, 2023 the Michigan Supreme Court held that the 2019 fee schedule and the limit on family-provided attendant care do not apply to people injured before June 11, 2019 while covered by a policy issued before that date.
Did the reform lower premiums?
It required insurers to cut average PIP premiums from May 1, 2019 levels, by 10% for unlimited coverage up to 45% for the $50,000 option, for policies effective before July 2, 2028.