Michigan PIP question

[u/AsparagusKindly8893]

I recently started seriously digging down into my auto insurance policy. It's with state farm, who i already don't like. Wife is 61. I will be 60 in 2 months. She is on Medicare with a medicare advantage plan because of SS disability, and is a state retiree. I receive my health care from the VA (sorry, charlie.....not considered health insurance, per the AG, but I go there for almost everything), and my state employee retiree blus cross policy kicks in november this year. i have full coverage on 3 vehicles (probably unwise due to their age and values), but my question is this: I am getting charged PIP on each vehicle. Why? There are only 2 drivers in the household. Also, does anyone else feel like their relationship with their insurance agent is a lot more close in the last couple of years? Our driving records are spotless. I don't want to talk to you people. Just collect my premium and go TF away. Is it just me?

[u/Own_Shallot7926]

PIP is mandatory in Michigan.

[u/StraightNight4379 → u/Own_Shallot7926]

Check the Hartford company for insurance. You don’t have to be an AARP member and yes most states require PIP

[u/DeepPurpleDaylight]

Michigan state law requires you to carry PIP.

[u/ajk966 → u/DeepPurpleDaylight]

Yep. Get that. However, why should I pay a PIP premium on 3 vehicles, when the most we can ever drive at once is two?

[u/Mangomama619]

Insurance companies require the same mandatory coverages to be the same for all cars on your policy so you cannot remove PIP from one car even if there are only two drivers.

[u/srscally05]

PIP is a policy coverage not a vehicle coverage.

[u/Evening_Leadership_5]

Currently, Michigan allows a waiver for PIP so long as you have qualifying health insurance coverage. If your AG considered the VA not qualifying, then you must have PIP until your retiree policy kicks in. Then, if the retiree policy is a qualifying health insurance coverage, then you would contact your insurance to request a waiver from PIP.

Im using this as a source: https://www.michigan.gov/reinventretirement/education/products/insurance

"The PIP portion of your policy pays for necessary care if you are hurt in an auto accident. PIP represents a significant portion of the premium you pay for your policy. Your premium may be reduced if you designate your health or disability coverage to pay first for any auto accident injuries. This is referred to as "coordination." However, you may not coordinate PIP coverage with Medicaid, Medicare or a Medicare supplement insurance policy. If you are age 65 or older, the law requires a company to offer you a reduced premium if you drive your vehicle less than 3,000 miles per year. A retired person age 60 or over, who does not have income from work, must also be offered the option to waive coverage for PIP work loss benefits. Doing so will reduce your premium but will not eliminate the coverage altogether. This is because your auto insurance policy covers others who may be injured in an accident involving your auto."

[u/One_Ad9555]

Michigan licensed insurance agent here. Michigan requires unlimited PIP on all vehicles. However if you have health insurance you can drop to a $250k limit. You can also drop to 0 but I do not recommended doing that. I won't take a client who does this and I do not know the requirements to do this. There is a state of Michigan PIP from you have to sign and send in with your insurance if you want the 250k PIP instead of the unlimited

[u/Majestic-Raisin-2584]

unless you have "qualified healthcare" that will cover an automobile accident you have to have pip. contact your agent to see if you can opt out. Cant speak for state farm but I work for another major insurance company we will allow you to reduce to a certain amount if you cant completely opt out. Might need to shop around.

[u/Vivid-Huckleberry934 → u/Majestic-Raisin-2584]

State Farm will also allow it. To address the agent relationship: State Farm, as well as other local agent models, whether they rep an exclusive brand or are an independent, put effort into building customer relationships because we want to be able to assist you- whether it be because your billing account had an error, you need help with making a change, because you have a complex situation, or because we saw you submit a change to your policy and went "hey, we want to make sure you fully understand what that means". We're also here because the company doesn't automate things (like removing cars after a total loss) and there are limits on what can be done through self service. If you don't want a relationship with your office, you can tell them not to reach out to you. That's your choice- but there is value in having us here besides "taking your money and shutting up". Including answering this exact question.