The bill amends the Michigan Insurance Code of 1956, specifically section 3109, to clarify and update the language regarding personal protection insurance benefits. It stipulates that benefits provided under state or federal laws must be subtracted from the personal protection insurance benefits payable for injuries. Additionally, the definition of an injured person is refined to specify that they are a natural person who suffers accidental bodily injury.

Furthermore, the bill allows insurers to offer deductibles for personal protection insurance benefits at reduced premium rates, applicable to specified types of benefits. It mandates that these deductibles must apply only to benefits payable to the insured, their spouse, and any relatives living in the same household. For policies covering certain benefits, insurers are required to offer deductibles in increments of $1,000, which must lead to appropriately reduced premiums and also apply to the same group of beneficiaries.

Statutes affected:
House Introduced Bill: 500.3109