Bill
HB 5299
The bill restructures Michigan no-fault PIP: insureds must choose a limit ($50k with Medicaid conditions, $250k, $500k, or unlimited) with form, signature, and aggregation rules.
Status & procedure
- House Bill 5299 was introduced March 14, 2025 (rep. Jason Morgan listed as sponsor in the November 13, 2025 reproduction). It was read a first time and referred to the House Committee on Insurance on November 13, 2025. The bill proposes an amendment to MCL 500.3107c (sec. 3107c), as added by 2019 PA 22.
- The bill is tie‑barred to House Bill 5298 (and references a Senate companion). Its enactment is expressly made contingent on enactment of HB 5298 (or a specified Senate bill).
Purpose
- Amend the statutory rules governing election of personal protection insurance (PIP) benefit limits under Michigan’s no‑fault law, codified at MCL 500.3107c. The bill revises available coverage options, form and signature requirements, aggregation rules, and special rules for transportation network company (TNC) activity.
Key provisions and changes
- Coverage options: For policies that provide the security required under section 3101 and are issued or renewed after July 1, 2020, an applicant or named insured must select one of these PIP limits (per individual per loss occurrence under MCL 500.3107(1)(a)):
- (a) $50,000 — available only if the named insured is enrolled in Medicaid and the named insured’s spouse and any household relative meet specified coverage/enrollment conditions (qualified health coverage, Medicaid, or other insurer coverage).
- (b) $250,000
- (c) $500,000
- (d) Unlimited (no limit)
- Form & election procedure: The insurer must provide a director‑approved form (per section 3107e) that:
- Clearly states benefits/risks of each option,
- Lets the applicant acknowledge reading/understanding the options,
- Allows marking the selected coverage and requires the applicant’s signature.
- Default and presumptions:
- If a policy is issued/renewed and no effective selection is made but a premium or installment was paid, there is a rebuttable presumption that the premium reflects the intended coverage level.
- If no effective selection and no premium‑based presumption applies, the policy defaults to the unlimited option (subsection (1)(d)).
- Aggregation across policies: When benefits are payable under two or more policies, benefits are payable only up to an aggregate limit equal to the highest single available coverage limit among the policies.
- Transportation network company (TNC) vehicles: The section applies to TNC activity, but a TNC applicant/named insured may only select the $250,000, $500,000, or unlimited options (i.e., the $50,000 option is excluded for TNCs). The bill references statutory definitions for “transportation network company,” “digital network,” “prearranged ride,” and defines a TNC vehicle as a personal vehicle while the driver is logged onto the TNC digital network or engaged in a prearranged ride.
- Attendant care rider: Insurers must offer a rider that provides attendant care coverage in excess of the selected limit for policies with limits under (a)–(c).
Who is affected
- Motor vehicle owners/insureds in Michigan who purchase no‑fault PIP coverage (including individuals enrolled in Medicaid and household members).
- Transportation network company drivers and TNCs (subject to the TNC‑specific limitations).
- Insurers writing auto no‑fault coverage — required to supply a director‑approved election form and offer attendant care riders.
- Claimants with multiple policies — aggregate payout limited to the highest single policy limit.
Timing/contingency
- The bill states it does not take effect unless the related HB 5298 (or a specified Senate bill) is enacted into law. The substantive coverage rule language references policies issued/renewed after July 1, 2020 (reflecting the statutory framework created by 2019 PA 22).
Related bills
- Tie‑bar: HB 5298 (required for effect); Companion: HB 2654.
Compiled from official sources — confirm details with the bill’s official record.
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