On Feb. 24, MCH INS issued bulletin re personal, bodily injury limits.
MCH INS issued Bulletin 2025-07-INS to revise personal injury protection (PIP) choice forms and bodily injury coverage limits form, which supersedes Bulletin 2023-11-INS.
Follows MCH INS Apr. 2023 bulletin on changes to PIP Choice Forms, see #169440.
PIP Coverage Limits
The new form contains a revised cover page to provide explanation of PIP coverage.
Contains expanded definitions section to clarify existing definitions, add definitions for allowable expenses, family-provided attendant care, unlimited PIP medical coverage.
PIP medical definition removed because it is described in revised form's cover page.
Made clarifying changes to Section A re PIP Medical, and Section B re Certification.
The PIP Medical Coverage Form for commercial policies was amended to implement clarifying changes for consistency with the PIP Medical Coverage Form for individuals.
Auto insurers must offer applicants and insureds a choice of PIP medical limits for policies issued/renewed after Jul. 1, 2020, and insurers can use PIP form or their own.
Insurers that wish to use new/revised form must submit proposed PIP choice in a form filing no fewer than 30 days before form effective date, but no later than Jun. 1, 2025.
Insurers and producers must ensure that consumers who are purchasing or renewing coverage know of their eligibility to opt out of purchasing PIP medical coverage.
Opt out option applies if they have a QHC deductible which is currently $6,579 or less.
Bodily Injury Coverage Limits
Automobile insurers required to use the MCH INS Bodily Injury Liability Coverage Limits Form (the BI Form), which was not amended but is republished for convenience.
Automobile insurers are required to use the form when offering applicants and insureds no-fault automobile insurance that will be issued/renewed after Jul. 1, 2020.
Insurers and producers are required to offer, at the time of application or renewal, a list of all bodily injury options that are available from that insurer and price per option.
Effectiveness
Insurers that wish to use a new or revised form must submit their proposed PIP choice form no fewer than 30 days prior to form effective date, but no later than June 1, 2025
