PLMImedium
On a Michigan auto policy where the insured elects coordinated PIP medical coverage, which payer is generally primary for the insured's accident-related medical bills?
AThe PIP carrier pays primary for all accident-related medical bills, while the insured's health plan serves only as secondary coverage
The insured's health insurance pays primary; PIP pays the balance up to the elected PIP limit
CMCCA pays primary from dollar one
DThe Assigned Claims Plan pays primary
Why this is the answer
MCL 500.3109a permits insurers to offer coordinated PIP at a reduced premium. When elected, the insured's health coverage pays first for accident-related medical, and PIP covers the unpaid balance up to the elected PIP cap.
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