Insurance: no-fault; personal protection insurance benefits for individuals in a motor vehicle operated in the business of transporting passengers; modify. Amends sec. 3114 of 1956 PA 218 (MCL 500.3114). TIE BAR WITH: HB 5299'25
HB 5298 clarifies that passengers injured in motor vehicles operated for passenger transportation (like buses or ride-sharing services) receive personal protection insurance benefits directly from the vehicle's insurer. It specifically excludes certain vehicles from this rule, including school buses, taxicabs, government transit, and nonprofit transport. The bill modifies Michigan's insurance code to ensure injured passengers in qualifying commercial vehicles can claim benefits without navigating complex multi-insurer processes. This affects passengers using commercial transportation services, not individual drivers or private vehicles. The change focuses on streamlining benefit claims for those in hired passenger vehicles.
Bill status
passed both
4 of 5 stages cleared
Introduction
Nov 2025
Committee Review
Feb 2026
House Passage
Feb 2026
Senate Passage
Feb 2026
Governor
Introduced Nov 13, 2025
Last action Feb 26, 2026
Maddy AI version diff · 2 comparisons
What changed between versions
As Passed by the House
→
Substitute (H-1)
·
2 edits
MINOR
The bill text shows minor formatting and spacing adjustments to the header and title sections, along with changes to the tracking metadata at the bottom of the document. No substantive policy changes, new requirements, or eligibility modifications were identified in the provided text.
TECHNICAL
Minor formatting and spacing adjustments were made to the bill title and header sections, including changes to indentation and line breaks.
Tracking metadata and reference codes at the bottom of the document were updated with different identifiers.
Floor votes · House Feb 24, 2026
How they voted
This bill passed the Senate by voice vote (no roll call recorded).
Full legislative history
Actions timeline
Total actions
15
Key actions
4
Committee
4
Feb 26, 2026
Committee
REFERRED TO COMMITTEE ON FINANCE, INSURANCE, AND CONSUMER PROTECTION
upper
Feb 26, 2026
Upper · Passed
PASSED BY HOUSE WITH IMMEDIATE EFFECT
upper
Feb 24, 2026
Lower · Passed
passed; given immediate effect Roll Call #51 Yeas 67 Nays 40 Excused 0 Not Voting 3
lower
Feb 24, 2026
Lower · Passed
substitute (H-1) adopted
lower
Dec 17, 2025
Committee
referred to second reading
lower
Dec 17, 2025
Lower · Passed
reported with recommendation with substitute (H-1)
lower
Nov 13, 2025
Committee
referred to Committee on Insurance
lower
Nov 13, 2025
Introduced
introduced by Representative Rep. Mike Harris
lower
1 primary · 1 co-sponsor
Sponsors
Ask Maddy
·
AI policy assistant
Ask Maddy about HB 5298
Scope: MI
Hi! I can help you understand HB 5298. What would you like to know?
Try one of these
i
Maddy answers using official bill text and legislative records. Always verify before sharing.
Sources cited inline