Ahead of Veterans Day, McFall Introduces Legislation to Cut Auto Insurance Costs for 100% Disabled Veterans
State Rep. Mike McFall (D-Hazel Park) files House Bill 6467 at the Michigan Capitol Building in Lansing.
LANSING, Mich., Nov. 10, 2026 — On the eve of Veterans Day, state Rep. Mike McFall (D-Hazel Park) introduced House Bill 6467, commonsense legislation aimed at reducing auto insurance costs for Michigan’s permanently and totally disabled military veterans.
Under current Michigan insurance law, drivers who are age 60 or older and out of the workforce can opt out of Personal Protection Insurance (PIP) work loss benefit coverage to lower their monthly auto insurance premiums. HB 6467 amends Section 3107 of the Insurance Code of 1956 to grant the exact same opt-out right to veterans designated by the U.S. Department of Veterans Affairs as 100% permanently and totally disabled.
“As we prepare to honor our service members this Veterans Day, it’s critical that we back up our gratitude with meaningful action,” McFall said. “Our disabled veterans have made incredible sacrifices for our country, and they shouldn’t be forced to pay for auto insurance coverage they legally and practically cannot use. Because 100% P&T disabled veterans are classified as unable to work, requiring them to pay for wage replacement coverage is an unnecessary financial burden. HB 6467 fixes this oversight, creating fairness in state law while providing immediate financial relief for Michigan military families.”
The legislation would deliver targeted premium relief by allowing eligible 100% P&T service-connected disabled veterans to execute a voluntary waiver with their auto insurer for a mandatory premium discount, establishing parity with existing options for Michigan seniors age 60 and older. Crucially, the waiver applies strictly to PIP wage-replacement benefits, ensuring all PIP medical, rehabilitation, and care coverages remain fully intact without creating any fiscal impact on state or local government budgets. The proposal builds on strong momentum from previous legislative efforts (formerly 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.
The bill was officially introduced today in advance of Veterans Day on Nov. 11 and has been referred to the House Insurance Committee for consideration.
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