Beginning July 2, 2020, when you renew your auto insurance policy, you’ll have some important decisions to make under the new Michigan Auto Insurance Reform Law. The new law is centered on changes to the Personal Injury Protection (PIP) portion of your auto insurance premium. PIP covers medical and rehabilitation costs if you’re in an auto accident and you’re injured, whether temporarily or permanently.

There has been a lot of talk lately about the new Michigan Auto Insurance Reform Law. Starting July 2, 2020, many changes to the existing no-fault auto insurance law will take effect in an effort to make Michigan auto insurance more affordable and decrease the number of uninsured drivers.

It’s pretty simple: Drivers with a record of accidents and moving violations (including speeding tickets) typically pay higher insurance premiums than those with a clean driving record. In fact, industry experts have stated that even a single ticket could increase your auto premium by 22%.