How a Coordinated Insurance Policy Works

How a coordinated insurance policy pays your medical expenses after a car crashIf you are operating on a tight monthly budget, you may be considering a coordinated insurance policy to meet your mandatory no-fault requirements. But you need to know how a coordinated policy works, and when it doesn’t, before you sign up.

What is a Coordinated Insurance Policy?

A coordinated insurance policy is a contract between you and your auto insurer that you will turn to your medical insurance first to cover expenses after an auto accident. You are still entitled to PIP benefits, but only after your health insurance has declined coverage.

PIP Applies to What Health Insurance Doesn’t Cover

Very few people have medical insurance that covers 100% of medical expenses the way Michigan’s no-fault insurance does. Modern health insurance policies are full of deductibles, copays, and coinsurance costs that you and your family are expected to cover out-of-pocket. In a coordinated insurance policy, your PIP benefits fill those gaps, paying for any part of your medical bills that your health insurance doesn’t.

Health insurance providers also limit where you can receive treatment. If a specialist or facility is “out of network” you may not be able to entitled to health insurance benefits. But Michigan’s no-fault law doesn’t allow for those kinds of exclusions. So even if a doctor is out of network, your PIP benefits will still cover the reasonably necessary medical costs.

Medicare / ERISA Plans Don’t Coordinate

Before you sign up for a coordinated insurance policy, make sure your health insurance qualifies. State-provided health insurance like Medicare or ERISA plans cannot be coordinated under federal law. If you are in an accident and have an improperly coordinated policy, your auto insurance company will likely be required to pay the bill. But you can expect that it will fight the case in court.

A Coordinated Insurance Policy Can Slow Down Payment

If you maintain a coordinated insurance policy, your medical providers will have to submit two insurance claims, instead of one. They must seek payment from your health insurance first, before submitting the bill for PIP benefits. This two-step process can slow down payment and draw out your claims process.

Any time there is an auto accident and a coordinated insurance policy, it is a good idea to get an experienced auto accident attorney involved right away. The attorneys at Christensen Law can help you identify the right insurance providers and file the right claims properly and on time. If you have been in a car crash, contact Christensen Law today for a free consultation.


Everyone at Christensen Law was extremely friendly and very easy to work with. Whenever I had a question, they took the time to talk with me and explained everything thoroughly. They were also very quick to return phone calls. I would definitely recommend Christensen Law to anyone in need of a personal injury lawyer.

I suffered Traumatic Brain Injury when struck by a vehicle while walking. My recovery was a long uphill battle; I had little energy to expend on daily routines and even LESS on caring for my home and life. I wondered how I could continue into the future with the difficulties I faced.

I handed the baton off to David and Sarah of Christensen Law. They resolved the unique challenges of my case while buffering me from the opposing side’s onslaught. The case concluded successfully and to my satisfaction with minimal effort on my part.

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V. Watkins

I never knew attorneys could be so accessible and kind. They fought for me all the way to the end. They had to take my case to trial and they won me a great settlement. Now I have a secure future.


HH, Davison

I was treated very nicely and professionally with a lot of consideration and compassion for my disabilities suffered in a horrible car accident. Mr. Christensen and Sarah Stempky made sure I understood what was happening with my case and that everything was pulled together.

LG, Stockbridge

As an accident victim I had to have my leg amputated and I was in bad shape overall. David Christensen was a light in that experience. I ended up with an entire home modification to accommodate my disabilities. It was a very stubborn insurance company but David wouldn’t take no for an answer.

CB, Milford

If I had questions or worries Dave would address them with me because he knows what he is doing. I think the world of him. I felt he went above and beyond to turn a really bad situation around. I have hope now where before I felt powerless and miniscule and that these big insurance companies were just going to railroad me.

DT, Jackson

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