personal injury
protection coverage
Here’s what we need from you in just a few steps.
Why am I receiving this message?
The state of Michigan requires confirmation of health coverage documents during policy renewals.
You rejected Personal Injury Protection (PIP) coverage.
PLEASE NOTE: If you do not complete the following requirements, at renewal, your PIP coverage will change to Unlimited, causing a significant increase in your premium.
You have the option to purchase PIP coverage or continue to reject this coverage, if your household is eligible.
Step one
Review qualifications
- The policyholder must have Medicare parts A and B.
- The spouse and resident relatives* must have eligible health coverage or PIP medical coverage under another auto policy.
* A "resident relative" is a relative of either the policyholder or their spouse who lives in the same household.
Step two
Gather required documents
The policyholder must:
- Submit a copy of their insurance card for Medicare Parts A and B.
- Collect and submit health coverage documentation for the individuals listed on the policy.
It is a requirement to sign and return the entire Selection of Personal Protection Insurance Benefits form we mailed and submit health coverage documentation for individuals listed on the policy. - Submit one of the following as proof of coverage for spouse or resident relatives*.
- A copy of their insurance card for Medicare Parts A and B
- Proof of Qualified Health Coverage (see FAQs for more details)
- The policy number and carrier name for PIP coverage under another auto policy must be provided to your Allstate® agency
Proof of Qualified Health Coverage
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 considered 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.
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.