2026 House Bill 5887

Insurance: no-fault; election to opt out of PIP coverage; modify length of election.

A bill to amend 1956 PA 218, entitled “The insurance code of 1956,” by amending section 3109a (MCL 500.3109a), as amended by 2019 PA 22, and by adding section 3015.

AI Analysis – Experimental

House Bills 5886 thru 5889 overhaul Michigan's auto insurance system by allowing consumers to opt out of personal protection insurance after June 30, 2027, raising catastrophic claims thresholds, and increasing transparency requirements for the catastrophic claims association.

Introduced in the House

April 23, 2026

Introduced by Rep. Joe Tate (D-9) and four co-sponsors

Co-sponsored by Reps. Jennifer Wortz (R-35), Nancy Jenkins-Arno (R-34), Joseph Fox (R-101) and Pat Outman (R-91)

Referred to the Committee on Insurance