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Bill

Bill

HB 6251

Insurance: no-fault; coverage and benefits for caregiver reimbursement; modify. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3157c.

2023-2024 Regular Session Introduced by Phil Green and 2 co-sponsors

Michigan bill expands no-fault auto insurance caregiver reimbursement benefits, potentially increasing coverage costs and premiums for all drivers.

bill electronically reproduced 12/05/2024
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WeVote Research Nonpartisan
Bill Summary · HB 6251

Legislative bill overview

HB 6251 modifies Michigan's no-fault auto insurance law by adding Section 3157c to expand coverage and benefits for caregiver reimbursement. The bill specifically addresses how insurers must compensate individuals who provide care to injured parties under no-fault policies. The exact scope of changes is not detailed in available legislative materials, as the bill was recently introduced and referred to committee.

Why is this important

Michigan's no-fault auto insurance system is one of the most generous in the nation, providing unlimited medical and rehabilitation benefits to accident victims. Caregiver reimbursement provisions directly affect how families are compensated for care responsibilities, which can represent substantial costs and lost wages. Any expansion of these benefits impacts both insurance premiums (paid by all drivers) and the financial security of families managing catastrophic injuries.

Potential points of contention

  • Cost and premium impact: Expanding caregiver benefits increases insurer payouts, which typically translates to higher auto insurance premiums for all Michigan drivers
  • Eligibility and scope definitions: Questions about who qualifies as a reimbursable caregiver, what services are covered, and benefit caps could create disputes between insurers and injured parties
  • System sustainability: Michigan already has among the highest auto insurance rates nationally; further benefit expansions raise concerns about long-term system solvency and competitive insurance availability

Compiled from official sources — confirm details with the bill’s official record.

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