HB 5677 Summary

• Requires applicants and named insureds to select one of four coverage levels for personal protection insurance benefits when issuing or renewing auto insurance policies after July 1, 2020: $50,000, $250,000, $500,000, or unlimited.

• Restricts the $50,000 coverage option to applicants enrolled in Medicaid whose spouse and household relatives either have qualified health coverage, Medicaid, or coverage from another insurer.

• Establishes that if no coverage level is selected and a premium is paid, there is a rebuttable presumption the premium reflects the applicable coverage level; if no presumption applies, unlimited coverage (subsection (1)(d)) becomes the default.

• Specifies that coverage levels apply to the named insured, spouse, and household relatives, but minor children of the named insured are entitled to unlimited coverage regardless of the selected level.

• Requires insurers to offer riders providing attendant care coverage in excess of the selected limit for policies with limits under $50,000, $250,000, or $500,000.