If you intend to waive or reduce the level of personal injury insurance (PIP) on your auto policy, you may be asked by your auto insurance company to provide a letter stating you are enrolled in a qualified health coverage. 

Employees can now get a Health Care Plan Verification letter through Wolverine Access by selecting Employee Self-Service > Benefits > Health Care Plan Verification. Follow the instructions on the page to have your letter created.

Be sure to turn off pop-up blocker and private browsing prior to opening your Auto Health verification letter. Use of a computer or larger sized tablet is recommended. Letters can only be produced based on enrollment as of the current date.

If you are unable to access Wolverine Access to obtain your Health Care Plan Verification Letter please email [email protected] with your request.

Auto Insurance Reform

The Michigan state legislature initiated auto insurance reform in 2019 to provide financial relief to Michigan drivers. This reform affects the level of personal injury insurance (PIP) you choose for yourself under your auto insurance plan, as well as others covered under your plans.

As a “no-fault” system, Michigan drivers were previously required to purchase unlimited PIP through the state. Reform now allows you to select the level of PIP you want. The level of PIP coverage you choose will impact the cost of your auto insurance coverage. 

Employees and retirees with U-M health plans – even with Medicare as primary coverage – are already covered for medical claims resulting from an automobile accident. PIP is the primary coverage for medical claims only when coordinating with plans that pay secondary after auto insurance.

Learn more about U-M’s health plans and PIP.

For more information about Michigan auto insurance reform in general, go to michigan.gov/autoinsurance or talk to your insurance agent.