Michigan no-fault reform guide: 2019 PIP tier options for commercial auto, employer coverage impacts, and how to optimize Michigan business auto insurance.
State Guides | 7 min read | 2026-03-18
Michigan's 2019 no-fault reform created new PIP tier options that changed commercial auto insurance. Here's what employers need to know about the new system.
Before July 2020, Michigan had the most expensive auto insurance in the nation — and it wasn't close. The state's unlimited lifetime PIP benefits meant that catastrophic accident victims could receive millions of dollars in medical care over their lifetime, and those costs were spread across all policyholders.
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