Michigan Auto
What is group eligibility, and what do they need to qualify?
Either the NI or a resident relative must have a bank account, credit union account, credit card or Bank loan; or be currently employed or retired from any type of school, in order to qualify for a policy with NGIC or DA
What PIP options does every person in MI qualify for?
Unlimited, $500k and 250K
What is full tort coverage?
This coverage allows the insured driver to sue the at-fault driver for nonmonetary damages, such as pain and suffering. While the at-fault driver’s liability insurance covers medical expenses, the Full Tort coverage lets the insured seek compensation for reduced quality of life after an accident.
Who and what does full PIP in Maryland cover?
Full PIP covers various expenses, including income loss, medical costs, and funeral expenses, regardless of fault in a motor vehicle accident. It applies to the named insured, listed drivers, and household members.
Is PIP a required coverage in Florida?
PIP is mandatory for all motorized vehicles listed on a policy, with the same coverage limits applying to each vehicle.
What level of BI coverage must we offer when quoting a MI policy? When can we quote less than that?
250/500k BI coverage
If the caller asks for lower coverages
What is needed for Qualifying Health Care exemption?
Their health insurance must cover injuries from auto accidents
It must have an individual deductible that is below $6579
What is limited tort coverage?
This coverage limits the insured driver’s right to sue for pain and suffering or other nonmonetary damages unless the injury is deemed serious. It only allows recovery of direct financial losses, such as medical expenses, within the at-fault driver’s insurance limits.
Who and what does limited PIP Cover in Maryland?
Limited PIP provides the same coverages as Full PIP but excludes the named insured, all listed drivers, and household members aged 16 and older. It only covers household members under the age of 16.
$10,000
Who pays for damages to an insureds car if they are found not at fault in Michigan, and they have collision coverage?
The insurance that has that vehicle listed on their policy. So if its insured by someone who has care, custody and control of a it, then that insurance would cover it. It will always be covered by their own insurance if they have a MI policy and coverage for the vehicle.
What is the coverage amount if the insured has Medicaid?
50K
What amount of coverage do you get with Combined 1st party benefits?
This coverage allows the insured to opt for an aggregate dollar amount of $177,500, which can be applied to income loss, accidental death, and medical benefits—rather than having separate limits capped for each coverage. The maximum funeral expense limit is $2,500.
Note: In the NPS system, Combined first party benefits are labeled as PIP Combined FPB.
Yes it is
What percentage of the total limit can be used for medical expenses with FL PIP?
80%
What are the three coverage options for MI collision?
Broad, Standard or Limited
Opt - out
Name 3 things that are covered under PIP in Pennsylvania
Medical, accidental death, income loss, lost wages
Mr. Mark Williams, the named insured in Maryland, has a policy with Limited PIP. He lives with his 17-year-old daughter and his 12-year-old niece. Mark also has his friend Tom, age 25, listed as a driver on the policy. Under limited PIP, who would be covered in the event of an auto accident?
12 Year old niece only
What percentage of the total limit can be used for Wage Loss with FL PIP?
60%
Which coverage option will always charge the insured a deductible, regardless of fault? What coverage is available to protect our insured from someone pursuing them for a reimbursement for their deductible, in the event you were at fault?
Standard - but you can pursue the other driver for that to be refunded.
Property Damage Liability Buyback ($3000)
If a named insured fails to sign their PIP coverages document by the due date, what will automatically change on their policy?
Coverage will automatically change to Unlimited and their rate will increase!
What does restricted coverages in PA mean?
The rated driver is only covered while driving a vehicle on the policy. No coverage if they are driving someone elses vehicle.
Mr. Mark Williams, the named insured in Maryland, has a policy with Full PIP. He lives with his 17-year-old daughter and his 12-year-old niece. Mark also has his friend Tom, age 25, who is not listed on the policy as a driver. Who would be covered under PIP if Mark had an accident while driving with them all in the car?
Everyone in the car because it applies to the NI, drivers on the policy, and household members, anyone riding in the NI vehicle.
Who qualifies for a work loss waiver?
Must be either 60+ and retired and receiving a pension, or 65 or over and retired.