Just opened my mail today.

Received a letter from my car insurance company...

Dear Mr. and Mrs Sully16

We have some great news, first Thanks you for your business.

The state of Michigan requires drivers to carry Personal injury protection ( pip) benefits as a mandatory part of automobile insurance. This unique coverage provides comprehensive benefits in the case of an auto-related injury.

WHY AM I RECEIVING THIS LETTER?

Because your auto policy is currently providing you with " EXCESS MEDICAL COVERAGE"  This means if you are injured in an auto accident your health insurer is the ( PRIMARY) payor and is expected to pay your medical bills first, We ( insert company name) is the excess payor and is expected to pay your medical bills only after your health insurer has paid.

Because ( insert company name) is designated as the excess medical coverage payor, you are receiving a discount on your auto insurance.

Health insurance plans are constantly changing, especially group plans offered through employers. Many major health insurance carriers in Michigan are no longer providing primary medical coverage for auto-related injuries. Because of this , we need to verify that auto insurance policies with excess medical will actually be paid first by your health care provider, Again, the reason is that customers with excess medical coverage, such as you, receive a discount based on ( company name) being the excess payor.

WHAT SHOULD I DO NEXT

Option 1

In order to retain your discount, we need to verufy you are still eligible for the " Excess medical coverage" dicount.

To do so, we need documentation to verify that your health provider is the primary payor,Acceptable documentation would include a copy of your health insurance plan and verification of coverage from your health insurer.

Option 2

Unless you verify eligibility your renewal will automatically change your PIP from excess to "Primary" at your upcoming renewal. A premium INCREASE will occur as a result of no longer being eligible for this discount.