This bill amends the Michigan Insurance Code of 1956 by adding a new section, 3015, which establishes that an insured's selected coverage level for certain types of automobile insurance will remain in effect as long as they remain insured with the same insurer or an affiliate. The coverage types specified include residual liability insurance, personal protection, property protection, uninsured and underinsured motorist coverage, comprehensive coverage, and collision coverage. The bill mandates that insurers must clearly communicate to insured individuals that their selected coverage level will persist unless they choose a different option.

Additionally, the bill modifies section 3109a, which pertains to personal protection insurance benefits. It introduces a requirement for insurers to offer exclusions related to qualified health coverage, with specific conditions for premium reductions based on the health coverage status of the insured and their household members. Notably, the bill specifies that these provisions will not apply to insurance policies issued or renewed after June 30, 2027. The bill also clarifies definitions related to "affiliate of" and "qualified health coverage," ensuring that the terms are consistent with existing law.

Statutes affected:
House Introduced Bill: 500.3109