Bill Would Cut Auto Insurance Costs for Disabled Veterans

Michigan House Bill 6467 would let 100% permanently and totally disabled veterans opt out of PIP work loss coverage for a premium discount.

Updated on Nov. 11, 2026 in Military Jobs

Bill Would Cut Auto Insurance Costs for Disabled Veterans

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Should Michigan cut auto insurance costs for 100% disabled veterans?

Michigan State Representative Mike McFall introduced House Bill 6467 on November 10, 2026. The bill would allow veterans rated 100% permanently and totally disabled by the U.S. Department of Veterans Affairs to waive PIP wage-replacement coverage in exchange for a mandatory premium discount.

Why it matters

Disabled veterans who cannot work are currently required to pay for wage-replacement coverage they cannot use. The bill extends an existing opt-out for drivers age 60 or older out of the workforce to this group.

House Bill 6467 applies to veterans with a 100% VA disability rating, the same level of disability that defines permanent and total status under the bill. The source does not report the dollar value of the mandatory premium discount or the number of eligible veterans.

The players

Mike McFall

Michigan State Representative who introduced House Bill 6467 and represents Hazel Park in the state House.

The details

The waiver applies only to PIP wage-replacement benefits, while PIP medical, rehabilitation, and care coverages remain intact. Eligible veterans would sign a voluntary waiver with their auto insurer, and the bill builds on HB 5057 of 2023, which passed the House Insurance and Financial Services Committee with bipartisan support and backing from the Department of Insurance and Financial Services.

2023: Previous legislation HB 5057 advanced in committee with bipartisan support.
November 10, 2026: House Bill 6467 was introduced in the Michigan House and referred to the House Insurance Committee.
November 11, 2026: Introduction timed to Veterans Day.

Military Jobs Context

House Bill 6467 extends the opt-out already available to drivers age 60 or older out of the workforce under Section 3107 of the Insurance Code of 1956 to veterans rated 100% permanently and totally disabled. It follows earlier HB 5057 of 2023, which advanced in committee with bipartisan support and Department of Insurance and Financial Services backing.

If enacted, eligible veterans rated 100% permanently and totally disabled could waive PIP wage-replacement coverage and receive a mandatory premium discount on their auto policy. Veterans would still keep PIP medical, rehabilitation, and care coverages.

The takeaway

Veterans who are permanently and totally disabled and do not work may see lower auto insurance premiums if House Bill 6467 becomes law. The bill is in the House Insurance Committee and has not yet passed.