What is Order of Priority and how does that impact me with auto insurance reform?

What is Order of Priority and how does that impact me with auto insurance reform?

CV-19 has taken the focus off of auto no-fault reform. Rest assured we are on top of it for you! According to the Department of Insurance and Financial Services (DIFS) CV-19 will not impact the implementation of no-fault reform as of 4/16/2020.

Reform to our no-fault system has not taken place since its implementation in the 1970s. We have recorded 8 videos that you can find on our YouTube channel Meiers Lombardini Lemanski Insurance. We are also blogging about all 6 of these videos too!

Your auto insurance policy covers you, your spouse and any resident relatives and this has not changed with auto insurance reform.

What has changed?

What has changed is occupants/passengers of your vehicle and pedestrians struck by your vehicle and where they go for coverage.

Before auto insurance reform passengers/pedestrians could make a claim under your policy for no fault benefits if they didn’t have their own policy, a spouse that had a policy, or had a resident relative with a policy.

After July 2, 2020 that passenger or pedestrian can NOT make a claim under your policy.  They are also limited to $250,000 of coverage that is covered through the Michigan Assigned Claims Plan (MACP).

For example: if you have a live in boyfriend/girlfriend and they don’t have their own auto policy they can’t make a claim for no fault benefits on your policy due to an auto accident since they aren’t a resident relative. A way around that is for them to have their own policy or to see if they are eligible to be included as a named insured on your policy.


If a child doesn’t live with their parents and the parents allow that child to use their vehicle. The child could not get no fault benefits under the parent’s policy since they aren’t a resident relative. There are many factors that can happen in these situations and we recommend that you call our office to discuss your particular situation and make sure you have the correct coverage.

How do the above situations get covered?

Click on this link to our video blog to find out answers: https://www.youtube.com/watch?v=fQw_FHE_dKg

Do you still have questions or want to talk more about the changes and their impact to you? Contact us at 517-351-9117 or www.mllins.com and let’s chat! #teammllins

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