PLMImedium
In Spectrum Health v. Farm Bureau, the Michigan Supreme Court addressed which issue regarding coordinated PIP/health policies under MCL 500.3109a?
AThat coordinated PIP requires a higher mini-tort cap
BThat coordinated PIP is unenforceable in Michigan
CThat MCCA must reimburse coordinated claims from the first dollar, thereby eliminating the need for the health insurer to pay as primary for any accident-related medical expenses
That when an insured selects coordinated PIP and a primary health coverage applies, the health insurer is the primary payer for accident-related medical bills
Why this is the answer
MCL 500.3109a allows insureds to coordinate PIP with their health coverage in exchange for a premium reduction. Spectrum Health v. Farm Bureau confirmed that under such an election, the health insurer pays first and the auto PIP carrier responds only for charges not covered by health, such as attendant care, mileage, or replacement services.
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