2005 House Bill 4904

Allow auto PIP insurance deductibles

Introduced in the House

June 9, 2005

Introduced by Rep. Dave Hildenbrand (R-86)

To rewrite the provisions that govern the coordination of coverage between personal injury protection (PIP) benefits available under no-fault automobile insurance and other health and medical coverages. (This refers to the unlimited bodily injury benefits required by the no-fault insurance law.) Insurance companies would have offer a policy that makes PIP benefits secondary to other health and accident coverage on the insured individuals (and which presumably costs less.) They could also offer policies that make the PIP primary. In cases where neither of the above applied, the PIP insurance policies will be considered “secondary” to any other health and accident insurance policies (meaning those policies pay first).

Referred to the Committee on Insurance

July 13, 2005

Reported without amendment

With the recommendation that the substitute (H-1) be adopted and that the bill then pass.

Nov. 10, 2005

Substitute offered

To replace the previous version of the bill with one that revises details but does not change the substance of the bill as previously described.

The substitute passed by voice vote

Passed in the House 57 to 49 (details)

To rewrite the provisions that govern the coordination of coverage between personal injury protection (PIP) benefits available under no-fault automobile insurance and other health and medical coverages. (This refers to the unlimited bodily injury benefits required by the no-fault insurance law.) Insurance companies would have offer a policy that makes PIP benefits secondary to other health and accident coverage on the insured individuals (and which presumably costs less.) They could also offer policies that make the PIP primary. In cases where neither of the above applied, the PIP insurance policies will be considered “secondary” to any other health and accident insurance policies (meaning those policies pay first).

Received in the Senate

Nov. 29, 2005

Referred to the Committee on Banking and Financial Institutions