Dear Andrews University Employee:
Periodically we will feature items of interest from our benefits office on the Andrews Faculty/Staff website. This week we want to remind our employees who have the health plan of the motor vehicle exclusion policy in the Plan Document.

"Motor Vehicle Exclusion -- Michigan Residents Only and Coordination with other Coverage for Injuries Arising out of Automobile Accidents -- Non-Michigan Residents

ACCIDENT INVOLVING A MOTOR VEHICLE AS DEFINED IN THE PLAN. It is your responsibility to obtain proper Motor Vehicle insurance that will give you and your Family medical benefits. If you fail to maintain your Motor Vehicle insurance, you will not have any medical expense coverage for auto-related injuries. This exclusion shall not apply to a Covered Person who is a Michigan resident involved in an accident outside the state of Michigan for which Michigan no-fault coverage is not legally available. However, this exclusion shall apply if a Covered Person is injured while in his or her own uninsured Motor Vehicle for which a Michigan no-fault policy is legally required and would have provided coverage, had such a policy been in effect." See page 53 of the PDF.

http://www.andrews.edu/HR/documents/plansummary.pdf

Questions? Please e-mail us at benefits@andrews.edu