A Michigan appeals court just told insurers that a policyholder's word on a PIP opt-out form is not enough.
In a decision dated March 25, 2026, the Michigan Court of Appeals reversed a lower court ruling, finding that Allstate could not enforce a PIP medical coverage opt-out when the statutory conditions for that opt-out had not actually been met. The result is that the policy must be treated as providing unlimited PIP medical coverage - a potentially costly outcome for the insurer.
