Mich. Comp. Laws » Michigan Compiled Laws / Chapter 500 / Act 218 of 1956
Michigan Compiled Laws

Mich. Comp. Laws § 500.3107d (2026)

Election to not maintain personal protection insurance benefit coverage; proof of qualified health coverage; form; failure to make election; termination of qualified health coverage; definitions.

✓ current as of July 2026
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THE INSURANCE CODE OF 1956


Act 218 of 1956


500.3107d Election to not maintain personal protection insurance benefit coverage; proof of qualified health coverage; form; failure to make election; termination of qualified health coverage; definitions.

Sec. 3107d.

    (1) For an insurance policy that provides the security required under section 3101(1) and is issued or renewed after July 1, 2020, the applicant or named insured may, in a way required under section 3107e and on a form approved by the director, elect to not maintain coverage for personal protection insurance benefits payable under section 3107(1)(a) if the applicant or named insured is a qualified person, and if the applicant's or named insured's spouse and any relative of either that resides in the same household have qualified health coverage or have coverage for benefits payable under section 3107(1)(a) from an insurer that provides the security required by section 3101(1).

    (2) An applicant or named insured shall, when requesting issuance or renewal of a policy under subsection (1), provide to the insurer a document from the person that provides the qualified health coverage stating the names of all persons covered under the qualified health coverage.

    (3) The form required under subsection (1) must do all of the following:

    (a) Require the applicant or named insured to mark the form to certify whether all persons required to be qualified persons under subsection (1) are qualified persons.

    (b) Disclose in a conspicuous manner that qualified persons are not obligated to but may purchase coverage for personal protection insurance coverage benefits payable under section 3107(1)(a).

    (c) State, in a conspicuous manner, the coverage levels available under section 3107c.

    (d) State, in a conspicuous manner, the benefits and risks associated with not maintaining the coverage.

    (e) State, in a conspicuous manner, that if during the term of the policy the qualified health coverage ceases, the person has 30 days after the effective date of the termination of qualified health coverage to obtain insurance that provides coverage under section 3107(1)(a) or the person will be excluded from all personal protection insurance coverage benefits under section 3107(1)(a) during the period in which coverage under this section was not maintained.

    (f) Provide a way for the applicant or named insured to mark the form to acknowledge that he or she has read the form and understands it and that he or she understands the options available to him or her.

    (g) If all persons required to be qualified persons under subsection (1) are qualified persons, provide the person a way to mark the form to elect to not maintain the coverage.

    (h) Require the applicant or named insured to sign the form.

    (4) If an insurance policy is issued or renewed as described in subsection (1) and the applicant or named insured has not made an effective election under subsection (1), the policy is considered to provide personal protection benefits under section 3107c(1)(d).

    (5) An election under this section applies to the applicant or named insured, the applicant or named insured's spouse, a relative of either domiciled in the same household, and any other person who would have had a right to claim personal protection insurance benefits under the policy but for the election.

    (6) If, during the term of an insurance policy under which coverage for personal protection insurance benefits payable under section 3107(1)(a) are not maintained under this section, the persons required to have qualified health coverage under subsection (1) cease to have qualified health coverage, all of the following apply under this subsection:

    (a) Within 30 days after the effective date of the termination of qualified health coverage, the named insured shall obtain insurance that includes coverage under section 3107(1)(a).

    (b) An insurer that issues policies that provide the security required by section 3101(1) shall not refuse to prospectively insure, limit coverage available to, charge a reinstatement fee to, or increase the insurance premiums for a person who is an eligible person, as that term is defined in section 2103, solely because the person previously failed to obtain insurance that provides coverage for benefits under section 3107(1)(a) in the time required under subdivision (a).

    (c) If the applicant or named insured does not obtain insurance as required under subdivision (a) and a person to whom the election under this section applies as described in subsection (5) suffers accidental bodily injury arising from a motor vehicle accident within the 30-day period, unless the injured person is entitled to coverage under some other policy, the injured person is not entitled to be paid personal protection insurance benefits under section 3107(1)(a) for the injury but is entitled to claim benefits under the assigned claims plan.

    (7) As used in this section:

    (a) "Consumer Price Index" means the most comprehensive index of consumer prices available for this state from the United States Department of Labor, Bureau of Labor Statistics.

    (b) "Qualified health coverage" means either of the following:

    (i) Other health or accident coverage to which both of the following apply:

    (A) The coverage does not exclude or limit coverage for injuries related to motor vehicle accidents.

    (B) Any annual deductible for the coverage is $6,000.00 or less per individual. The director shall adjust the amount in this sub-subparagraph on July 1 of each year by the percentage change in the medical component of the Consumer Price Index for the preceding calendar year. However, the director shall not make the adjustment unless the adjustment, or the total of the adjustment and previous unadded adjustments, is $500.00 or more.

    (ii) Coverage under parts A and B of the federal Medicare program established under subchapter XVIII of the social security act, 42 USC 1395 to 1395lll.

    (c) "Qualified person" means a person who has qualified health coverage under subdivision (b)(ii).

History: Add. 2019, Act 21, Imd. Eff. June 11, 2019 ;-- Add. 2019, Act 22, Imd. Eff. June 11, 2019

Compiler's Notes:

    MCL 500.3107d was added by 2019 PA 21 and 2019 PA 22. 2019 PA 22, being substantively the same as 2019 PA 21 and enacted after 2019 PA 21, becomes the only version on its effective date.

PopularName Notes:

Act 218

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Essential Insurance

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No-Fault Insurance
Notes of Decisions
Cited in 31 cases (31 in the last 5 years), 2023–2026 · leading case: Northland Radiology Inc v. Allstate Fire & Cas. Ins. Co (Mich. Ct. App. 2026).
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Northland Radiology Inc v. Allstate Fire & Cas. Ins. Co (Mich. Ct. App. 2026). · cites it 36× “Under this provision, an insured who is a “qualified person” can “elect” (but apparently ineffectively) to forgo personal protection insurance (PIP) coverage for herself and her resident relative in exchange for a reduced premium.”
Univ. Neurosurgical Assocs. Pc v. Auto Club Ins. Assn (Mich. Ct. App. 2023). · cites it 19× “The court held that Joseph Seguna was a “qualified person” within the meaning of MCL 500.3107d, as the Medicare Advantage Plan was “qualified health coverage” within the meaning of MCL 500.”
Tiffany Donner v. Progressive Michigan Ins. Co. (Mich. Ct. App. 2024). · cites it 18× “Accordingly, because the accident occurred more than 30 days after losing her qualified health coverage, MCL 500.3107d precluded plaintiff’s entitlement to PIP benefits.”
Tiffany Donner v. Progressive Michigan Ins. Co. (Mich. Ct. App. 2024). · cites it 18× “Accordingly, because the accident occurred more than 30 days after losing her qualified health coverage, MCL 500.3107d precluded plaintiff’s entitlement to PIP benefits.”
Am. Physio LLC v. State Farm Mut. Auto Ins. Co. (Mich. Ct. App. 2024). · cites it 15× “However, it is undisputed that Gilbert’s Molina Medicaid was not “qualified health coverage” sufficient to waive all PIP medical coverage under MCL 500.3107d, and O’Neal did not inform USAA that Gilbert was living with him.”
Bronson Health Care Grp. Inc v. Progressive Michigan Ins. Co (Mich. Ct. App. 2025). · cites it 13× ““The goal of the no-fault insurance system [is] to provide victims of motor vehicle accidents assured, adequate, and prompt reparation for certain economic losses[,]” including PIP benefits.”
David Wells Jr v. Citizens Ins. Co. of the Midwest (Mich. Ct. App. 2025). · cites it 12× “opted for a policy under MCL 500.3107d(1), and, as part of doing so, he agreed that everyone covered by his policy would not receive benefits, which would have included David Jr.”
Walter Love v. Lashawn Rudolph (Mich. Ct. App. 2025). · cites it 7× “” With respect to the conditions for eligibility to decline PIP coverage under MCL 500.3107d, subsection (7) provides in pertinent part: (7) As used in this section: * * * (b) “Qualified health coverage” means either of the following: (i) Other health or accident coverage to…”
M1 Transp. LLC v. Liberty Mut. Ins. Co. (Mich. Ct. App. 2026). · cites it 6× “116(C)(8)(10) [sic],” arguing that Frye explicitly opted out of PIP coverage in his policy, so M1 could not recover PIP benefits from Liberty Mutual pursuant to MCL 500.3107d. In support of its motion, Liberty Mutual attached two redacted policy declarations pages for 2022 and…”
Meemic Ins. Co. v. Auto-Owners Ins. Co. (Mich. Ct. App. 2026). · cites it 6× “3107(1)(a) by operation of either the opt-out provision in MCL 500.3107d or the exclusions in MCL 500.”
Joseph Canty v. Michael Chester Mason (Mich. Ct. App. 2024). · cites it 4× “” MCL 500.3107d(1).2 He was able to do so because he otherwise had “qualified health coverage,” MCL 500.”
20250307_C368076_42_368076.Opn.Pdf (Mich. Ct. App. 2025). · cites it 4× “The record contains no opt-out form for the 2021 policy period, and MCL 500.3107d contemplates that the requisite opt-out form will be completed at the time that a policy is originated and for renewals thereafter.”
Show all 31 citing cases →
— Mich. Comp. Laws § 500.3107d(1) — 15 cases
David Wells Jr v. Citizens Ins. Co. of the Midwest (Mich. Ct. App. 2025). “opted for a policy under MCL 500.3107d(1), and, as part of doing so, he agreed that everyone covered by his policy would not receive benefits, which would have included David Jr.”
Am. Physio LLC v. State Farm Mut. Auto Ins. Co. (Mich. Ct. App. 2024). “However, it is undisputed that Gilbert’s Molina Medicaid was not “qualified health coverage” sufficient to waive all PIP medical coverage under MCL 500.3107d, and O’Neal did not inform USAA that Gilbert was living with him.”
Walter Love v. Lashawn Rudolph (Mich. Ct. App. 2025). “” With respect to the conditions for eligibility to decline PIP coverage under MCL 500.3107d, subsection (7) provides in pertinent part: (7) As used in this section: * * * (b) “Qualified health coverage” means either of the following: (i) Other health or accident coverage to…”
Northland Radiology Inc v. Allstate Fire & Cas. Ins. Co (Mich. Ct. App. 2026). “Under this provision, an insured who is a “qualified person” can “elect” (but apparently ineffectively) to forgo personal protection insurance (PIP) coverage for herself and her resident relative in exchange for a reduced premium.”
Meemic Ins. Co. v. Auto-Owners Ins. Co. (Mich. Ct. App. 2026). “3107(1)(a) by operation of either the opt-out provision in MCL 500.3107d or the exclusions in MCL 500.”
— Mich. Comp. Laws § 500.3107d(3)(g) — 2 cases
Bronson Health Care Grp. Inc v. Progressive Michigan Ins. Co (Mich. Ct. App. 2025). ““The goal of the no-fault insurance system [is] to provide victims of motor vehicle accidents assured, adequate, and prompt reparation for certain economic losses[,]” including PIP benefits.”
Northland Radiology Inc v. Allstate Fire & Cas. Ins. Co (Mich. Ct. App. 2026). “Under this provision, an insured who is a “qualified person” can “elect” (but apparently ineffectively) to forgo personal protection insurance (PIP) coverage for herself and her resident relative in exchange for a reduced premium.”
— Mich. Comp. Laws § 500.3107d(4) — 3 cases
Northland Radiology Inc v. Allstate Fire & Cas. Ins. Co (Mich. Ct. App. 2026). “Under this provision, an insured who is a “qualified person” can “elect” (but apparently ineffectively) to forgo personal protection insurance (PIP) coverage for herself and her resident relative in exchange for a reduced premium.”
M1 Transp. LLC v. Liberty Mut. Ins. Co. (Mich. Ct. App. 2026). “116(C)(8)(10) [sic],” arguing that Frye explicitly opted out of PIP coverage in his policy, so M1 could not recover PIP benefits from Liberty Mutual pursuant to MCL 500.3107d. In support of its motion, Liberty Mutual attached two redacted policy declarations pages for 2022 and…”
Am. Physio LLC v. State Farm Mut. Auto Ins. Co. (Mich. Ct. App. 2024). “However, it is undisputed that Gilbert’s Molina Medicaid was not “qualified health coverage” sufficient to waive all PIP medical coverage under MCL 500.3107d, and O’Neal did not inform USAA that Gilbert was living with him.”
— Mich. Comp. Laws § 500.3107d(5) — 4 cases
Bronson Health Care Grp. Inc v. Progressive Michigan Ins. Co (Mich. Ct. App. 2025). ““The goal of the no-fault insurance system [is] to provide victims of motor vehicle accidents assured, adequate, and prompt reparation for certain economic losses[,]” including PIP benefits.”
Northland Radiology Inc v. Allstate Fire & Cas. Ins. Co (Mich. Ct. App. 2026). “Under this provision, an insured who is a “qualified person” can “elect” (but apparently ineffectively) to forgo personal protection insurance (PIP) coverage for herself and her resident relative in exchange for a reduced premium.”
Am. Physio LLC v. State Farm Mut. Auto Ins. Co. (Mich. Ct. App. 2024). “However, it is undisputed that Gilbert’s Molina Medicaid was not “qualified health coverage” sufficient to waive all PIP medical coverage under MCL 500.3107d, and O’Neal did not inform USAA that Gilbert was living with him.”
Walter Love v. Lashawn Rudolph (Mich. Ct. App. 2025). “” With respect to the conditions for eligibility to decline PIP coverage under MCL 500.3107d, subsection (7) provides in pertinent part: (7) As used in this section: * * * (b) “Qualified health coverage” means either of the following: (i) Other health or accident coverage to…”
— Mich. Comp. Laws § 500.3107d(6) — 3 cases
Tiffany Donner v. Progressive Michigan Ins. Co. (Mich. Ct. App. 2024). “Accordingly, because the accident occurred more than 30 days after losing her qualified health coverage, MCL 500.3107d precluded plaintiff’s entitlement to PIP benefits.”
Tiffany Donner v. Progressive Michigan Ins. Co. (Mich. Ct. App. 2024). “Accordingly, because the accident occurred more than 30 days after losing her qualified health coverage, MCL 500.3107d precluded plaintiff’s entitlement to PIP benefits.”
M1 Transp. LLC v. Liberty Mut. Ins. Co. (Mich. Ct. App. 2026). “116(C)(8)(10) [sic],” arguing that Frye explicitly opted out of PIP coverage in his policy, so M1 could not recover PIP benefits from Liberty Mutual pursuant to MCL 500.3107d. In support of its motion, Liberty Mutual attached two redacted policy declarations pages for 2022 and…”
— Mich. Comp. Laws § 500.3107d(7)(b) — 2 cases
Northland Radiology Inc v. Allstate Fire & Cas. Ins. Co (Mich. Ct. App. 2026). “Under this provision, an insured who is a “qualified person” can “elect” (but apparently ineffectively) to forgo personal protection insurance (PIP) coverage for herself and her resident relative in exchange for a reduced premium.”
Thomas Tarhanich v. Memberselect Ins. Co. (Mich. Ct. App. 2026).
— Mich. Comp. Laws § 500.3107d(7)(b)(i) — 1 case
Tiffany Carroll v. Progressive Michigan Ins. Co. (Mich. Ct. App. 2025).
— Mich. Comp. Laws § 500.3107d(7)(b)(i)(B) — 1 case
Univ. Neurosurgical Assocs. Pc v. Auto Club Ins. Assn (Mich. Ct. App. 2023). “The court held that Joseph Seguna was a “qualified person” within the meaning of MCL 500.3107d, as the Medicare Advantage Plan was “qualified health coverage” within the meaning of MCL 500.”
— Mich. Comp. Laws § 500.3107d(7)(b)(ii) — 7 cases
Univ. Neurosurgical Assocs. Pc v. Auto Club Ins. Assn (Mich. Ct. App. 2023). “The court held that Joseph Seguna was a “qualified person” within the meaning of MCL 500.3107d, as the Medicare Advantage Plan was “qualified health coverage” within the meaning of MCL 500.”
Am. Physio LLC v. State Farm Mut. Auto Ins. Co. (Mich. Ct. App. 2024). “However, it is undisputed that Gilbert’s Molina Medicaid was not “qualified health coverage” sufficient to waive all PIP medical coverage under MCL 500.3107d, and O’Neal did not inform USAA that Gilbert was living with him.”
Tiffany Donner v. Progressive Michigan Ins. Co. (Mich. Ct. App. 2024). “Accordingly, because the accident occurred more than 30 days after losing her qualified health coverage, MCL 500.3107d precluded plaintiff’s entitlement to PIP benefits.”
Tiffany Donner v. Progressive Michigan Ins. Co. (Mich. Ct. App. 2024). “Accordingly, because the accident occurred more than 30 days after losing her qualified health coverage, MCL 500.3107d precluded plaintiff’s entitlement to PIP benefits.”
Joseph Canty v. Michael Chester Mason (Mich. Ct. App. 2024). “” MCL 500.3107d(1).2 He was able to do so because he otherwise had “qualified health coverage,” MCL 500.”
— Mich. Comp. Laws § 500.3107d(7)(c) — 5 cases
Bronson Health Care Grp. Inc v. Progressive Michigan Ins. Co (Mich. Ct. App. 2025). ““The goal of the no-fault insurance system [is] to provide victims of motor vehicle accidents assured, adequate, and prompt reparation for certain economic losses[,]” including PIP benefits.”
Univ. Neurosurgical Assocs. Pc v. Auto Club Ins. Assn (Mich. Ct. App. 2023). “The court held that Joseph Seguna was a “qualified person” within the meaning of MCL 500.3107d, as the Medicare Advantage Plan was “qualified health coverage” within the meaning of MCL 500.”
20250307_C368076_42_368076.Opn.Pdf (Mich. Ct. App. 2025). “The record contains no opt-out form for the 2021 policy period, and MCL 500.3107d contemplates that the requisite opt-out form will be completed at the time that a policy is originated and for renewals thereafter.”
David Wells Jr v. Citizens Ins. Co. of the Midwest (Mich. Ct. App. 2025). “opted for a policy under MCL 500.3107d(1), and, as part of doing so, he agreed that everyone covered by his policy would not receive benefits, which would have included David Jr.”
Northland Radiology Inc v. Allstate Fire & Cas. Ins. Co (Mich. Ct. App. 2026). “Under this provision, an insured who is a “qualified person” can “elect” (but apparently ineffectively) to forgo personal protection insurance (PIP) coverage for herself and her resident relative in exchange for a reduced premium.”
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