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Under Michigan's PIP choice regime, what PIP coverage level applies by default if an insured fails to make a written election on the SOS form?

Q: Under Michigan's PIP choice regime, what PIP coverage level applies by default if an insured fails to make a written election on the SOS form?

Unlimited PIP — MCL 500.3107c, added by PA 21 of 2019, requires a written PIP-level election on a SOS-approved form. Absent a valid election, the insured is presumed to have chosen unlimited PIP and is charged the corresponding MCCA assessment.

A$50,000 PIP cap

B$250,000 PIP cap

Unlimited PIP

D$500,000 PIP cap

Why this is the answer

MCL 500.3107c, added by PA 21 of 2019, requires a written PIP-level election on a SOS-approved form. Absent a valid election, the insured is presumed to have chosen unlimited PIP and is charged the corresponding MCCA assessment.

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