Insurance: no-fault; election to opt out of PIP coverage; modify length of election. Amends sec. 3109a of 1956 PA 218 (MCL 500.3109a) & adds sec. 3015. TIE BAR WITH: HB 5886'26, HB 5888'26, HB 5889'26

This bill modifies Michigan's auto insurance laws to allow drivers to keep their selected coverage levels, such as personal injury protection and collision, in effect for up to seven years if they stay with the same insurance company. It also updates provisions regarding health insurance exclusions by requiring insurers to offer premium discounts when a household has qualified health coverage that covers car accident injuries, while setting a 2027 deadline for these specific rules to expire. The legislation ties its effectiveness to the passage of three companion bills, meaning it will not become law unless those related measures are also approved.