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Rep. Filler: Car insurance savings will be greater than expected
RELEASE|April 29, 2020
Contact: Graham Filler

State department, insurance industry accelerating toward July 1 rollout

State Rep. Graham Filler, of DeWitt, today announced the first wave of rates approved by state regulators under terms of Michigan’s new no-fault car insurance law indicate substantial savings are in store for drivers.


“The highly anticipated July 1 rollout of our new car insurance system will be even more meaningful for families across Michigan as the first rates approved by the state show even greater savings than required by the law,” Filler said. “It doesn’t matter which coverage option you choose, the savings we’re seeing are across the board. This is great news for every Michigan driver.”


Of the rates filed to the Michigan Department of Insurance and Financial Services (DIFS), six have been approved, representing a quarter of the state’s car insurance market. The aggregated data on the approved rates show – on average – statewide personal injury protection (PIP) savings exceed the mandatory savings outlined under Michigan’s new no-fault law that’s set to take effect July 1, 2020.


Below is a comparison of the PIP rate rollbacks mandated by state law compared to the average savings approved by DIFS:

• Unlimited PIP coverage – 10 percent savings mandated by state law, 16.5 percent average savings approved by DIFS.
• $500,000 in PIP coverage – 20 percent savings mandated by state law, 36.3 percent average savings approved by DIFS.
• $250,000 in PIP coverage – 35 percent savings mandated by state law, 41.9 percent average savings approved by DIFS.
• $50,000 in PIP coverage – 45 percent savings mandated by state law, 54.3 percent average savings approved by DIFS.
• Michigan drivers who opt out of PIP coverage will see up to a 100 percent savings in that portion of their policies.

“July will be here before we know it,” Filler said. “It’s important to keep in mind that as more insurance providers have their rates approved, naturally others will try to come in just a little bit lower to drive up competition. I encourage drivers to take this time to shop around and consult with their agents on an insurance plan that will best suit their needs.”

Information regarding Michigan’s new no-fault car insurance law that takes effect July 1 is available by visiting www.Michigan.gov/AutoInsurance. Rep. Filler and his staff are working remotely so they can continue to serve residents during the COVID-19 outbreak. People with questions or concerns can reach his office by calling (517) 373-1778 or emailing [email protected] 

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