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MI HB5030
MI HB5030Insurance: no-fault; deductibles for PIP benefits; require insurer to offer. Amends sec. 3109 of 1956 PA 218 (MCL 500.3109).
summary
Introduced
09/18/2025
09/18/2025
In Committee
09/18/2025
09/18/2025
Crossed Over
Passed
Dead
Introduced Session
103rd Legislature
Bill Summary
A bill to amend 1956 PA 218, entitled"The insurance code of 1956,"by amending section 3109 (MCL 500.3109), as amended by 2012 PA 454.
AI Summary
This bill amends Michigan's insurance code to modify Personal Injury Protection (PIP) benefits in auto insurance policies. Specifically, the bill requires insurers to offer deductible options for PIP coverage, with new provisions mandating that insurers provide deductibles in increments of $1,000 up to the average amount paid in benefits for motor vehicle accidents in the state during the previous year. The deductibles would apply only to the policyholder, their spouse, and household relatives, and must result in a proportionally reduced insurance premium. The bill also makes some minor grammatical changes to existing language, such as replacing "shall" with "must" and clarifying language around who qualifies as an injured person. The changes aim to give consumers more flexibility in their auto insurance coverage and potentially lower their premiums by allowing them to choose higher deductibles in exchange for reduced rates.
Committee Categories
Business and Industry
Sponsors (7)
Doug Wozniak (R)*,
Kelly Breen (D),
Will Bruck (R),
Gina Johnsen (R),
Julie Rogers (D),
J.R. Roth (R),
Jason Woolford (R),
Last Action
Bill Electronically Reproduced 09/18/2025 (on 09/24/2025)
Official Document
bill text
bill summary
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bill summary
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bill summary
| Document Type | Source Location |
|---|---|
| State Bill Page | https://legislature.mi.gov/Bills/Bill?ObjectName=2025-HB-5030 |
| BillText | https://legislature.mi.gov/documents/2025-2026/billintroduced/House/htm/2025-HIB-5030.htm |
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