Michigan auto reform policy renewals
Beginning July 2, 2020, Michigan's auto insurance reform allowed drivers to select the level of personal injury protection (PIP) and bodily injury (BI) coverage that meets their needs.
Now that many drivers have made their initial reform coverage selections, it will soon be time for renewals. As your policy comes up for renewal, we'll send you information about keeping your existing coverage or selecting new coverage.
If you chose certain PIP and BI coverage limits or opted out of PIP, you may need to submit documentation to keep your selected coverage level. We've made it easy for you to complete recertification and renew your coverage using Citizens Auto Reform Assistant (CARA) when your policy is eligible for renewal.
I'm happy with my coverage
If you want to keep your current coverage, you may still need to provide documents to certify your eligibility for certain selections. When it's time to renew, CARA will tell you if you need to re-certify your coverage and help you submit documentation in a few easy steps.
I want to change my coverage
At renewal, you will have the option to update your PIP and BI coverages. You may do so through your independent agent.
If you are required to recertify, you can also choose new coverage limits through CARA.
I need more information
Unsure if you want to keep or change your coverage? Our reform resource center and your independent agent can help. CARA will also guide you through the renewal recertification process with videos, helper text and FAQs.
Auto reform renewal FAQs
- How do I know if I need to re-certify my selections?
You will need to re-certify your coverage selections if you have one of the following coverage limits:
Personal injury protection (PIP)
- $50K with Medicaid
- Medicare opt out
- Qualified health care (QHC) exclusion
Bodily injury (BI)
- $300K combined single limit (CSL)
You do not need to re-certify if you have unlimited, $500K or $250K of PIP coverage.
Check your policy documents if you're unsure which coverage you have. When it's time to renew, CARA will also tell you which coverage you currently have and if you need to re-certify.
- How do I complete recertification?
To maintain your coverage selection and complete recertification, you will need to provide one or more of the following:
- Personal injury protection selection form
- Supplemental form
- Healthcare ID card
- Auto ID card
- Qualified healthcare exclusion letter
- Declarations page
It is quick and easy to review, sign, and submit these documents using CARA. If you choose to not use CARA, there will be forms included in your renewal package that you can fill out and return to your agent. Your should receive your renewal package around 45 days prior to your renewal start date.
- When do I need to re-certify?
You will need to re-certify your coverage selections at the time of your policy renewal. Citizens will contact you on behalf of your independent agent when it is time for you to renew with information on how to access CARA and complete your renewal.
- Can I change my coverage?
If you wish to change your current PIP or BI coverage, you may do so through CARA or your independent agent at the time of renewal.
Auto reform resources
Citizens Auto Reform Assistant
CARA is a self-service portal, designed to allow you to make your reform coverage selections in a few simple steps and fewer than 10 clicks. CARA is available for your use 90 days prior to your renewal.
Reform resource center
We know you care about having the right protection for you and your family. We also know the new auto reform law can seem complicated. As one of Michigan's largest insurance companies, we have the expertise to help guide you through reform.
We know there is a lot to consider before choosing the right level of coverage, so we have answers to your most commonly-asked questions.