PLMImedium
Which of the following insureds is statutorily eligible to elect the $50,000 PIP coverage tier on a Michigan auto policy?
AAny insured who signs the SOS election form
BA Medicare-eligible insured with qualified health coverage
A named insured enrolled in Medicaid whose spouse and resident relatives are also Medicaid-enrolled or have qualified health coverage
DAny insured whose household income is below 200% of the federal poverty line, regardless of whether the named insured, spouse, or any resident relative is actually enrolled in Medicaid or has other qualified health coverage
Why this is the answer
Under MCL 500.3107c(1)(a), the lowest PIP tier — $50,000 — is restricted to a named insured enrolled in Medicaid, provided the insured's spouse and resident relatives are also Medicaid-enrolled or carry qualified health coverage. Loss of Medicaid mid-term moves the insured up the tier ladder.
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