HB 6331 Summary

• Modifies personal protection insurance (PPI) coverage rules for passengers in commercial vehicles, employer-owned vehicles, and motorcycles involved in accidents.

• Allows injured persons to receive benefits up to the highest applicable coverage level when multiple insurance policies could apply, rather than receiving reduced or recouped benefits.

• Establishes that if an injured person qualifies for coverage under both a commercial/employer vehicle policy and their own household policy, they receive full benefits from the applicable policy up to section 3107c coverage limits without insurer recoupment.

• Limits application of commercial vehicle and employer vehicle provisions when the injured person would have greater coverage under their own household policy due to elections or exclusions.

• Defines "transportation network company vehicle" as a personal vehicle while the driver is logged into or actively engaged in a ride-sharing service.