personal injury
protection coverage
Here’s what we need from you in just a few steps.
Why am I receiving this message?
To qualify for Personal Injury Protection (PIP), the state of Michigan requires confirmation of health coverage documents during policy renewals.
You selected Personal Injury Protection coverage Allowable Expenses (Medical) with a $250,000 limit, with some or all persons excluded.*
PLEASE NOTE: If you do not complete the following requirements, upon renewal, the PIP coverage limit will change for the individuals currently excluded for PIP medical coverage limit on the policy to $250,000, causing a significant increase in your premium.
Step one
Meet qualifications
- To exclude PIP medical, the policyholder must have Qualified Health Coverage that is NOT Medicare (see FAQ for more details).
- Each additional person* listed on the policy as excluding PIP medical must have Qualified Health Coverage.
*These people do not have coverage for Allowable Expenses (Medical).
Step two
Gather required documents
Collect and submit health coverage documentation for the individuals listed on the policy.
To continue qualifying for your selected coverage, the policyholder must acquire a letter from their health insurance carrier, employer or provide other documentation with the following information.
- Name of the health insurance company
- Name of each person covered and their date of birth
- Policy and group number
- Coverage effective dates (within the last 12 months)
- Confirmation that the health insurance is Qualified Health Coverage
Step three
Send requested documents to Allstate
Send Allstate the above requested documents by:
Mail
Mailing it to:
Allstate Insurance Company
PO Box 2088
Grundy, VA 24614Fax
Faxing it to:
1-757-720-3355In person
Dropping it off at your local Allstate® agency
Frequently asked questions
Qualified Health Coverage can be either of the following.
- Health and accident coverage that does not exclude or limit coverage for injuries related to auto accidents and has an annual individual deductible of $6,579 (subject to annual adjustments by the Director).
- Coverage under both Medicare Parts A and B (a Medicare Advantage plan).
Note: Medicaid and health care sharing ministries are NOT considered Qualified Health Coverage.
You are welcome to submit a Selection of Personal Protection Insurance Benefits form at every policy renewal, but it is not required.
This form describes your options and is prefilled with the PIP coverage option you previously selected.
If you would like to change your PIP coverage, please contact your Allstate agency or call 1-800-255-7828.
Questions?
We're here to help
If you have questions about your PIP coverage or your policy in general, please call your Allstate agency or call 1-800-225-7828.