Fenton, Michigan, stands out as a shining example of a community committed to quality education, fostering an environment where students are prepared for the future. Nestled in Genesee County, Fenton offers a diverse range of academic opportunities that cater to every learner's needs, making it an attractive destination for families prioritizing education.
Fenton Area Public Schools, well-regarded for its innovative curriculum and dedicated educators, pushes
the boundaries of traditional learning. With an array of advanced placement courses and dynamic extracurricular activities, students are encouraged to explore their interests and hone their skills. The district’s focus on technology and STEM programs ensures that learners are equipped with the tools necessary to thrive in an ever-evolving world.
The town also boasts a collaborative spirit, where community involvement is a cornerstone of educational success. Local
Fenton, Michigan
4 | HelloFenton, Michigan • Fall Issue
Hello Fenton, Michigan • Fall Issue |5
businesses and organizations frequently partner with schools to provide mentorship programs, internships, and scholarships, enhancing real-world learning experiences for students. Furthermore, Fenton nurtures a strong network of parent volunteers who play an essential role in supporting educational initiatives.
In Fenton, a culture of lifelong learning is embraced and cultivated. With a commitment to...
Fenton, Michigan
Fenton, Michigan: Shaping Futures Through Exceptional Education
Fenton, Michigan, stands out as a shining example of a community committed to quality education, fostering an environment where students are prepared for the future. Nestled in Genesee County, Fenton offers a diverse range of academic opportunities that cater to every learner's needs, making it an attractive destination for families prioritizing education.
Fenton Area Public Schools, well-regarded for its innovative curriculum and dedicated educators, pushes the boundaries of traditional learning. With an array of advanced placement courses and dynamic extracurricular activities, students are encouraged to explore their interests and hone their skills. The district’s focus on technology and STEM programs ensures that learners are equipped with the tools necessary to thrive in an ever-evolving world.
The town also boasts a collaborative spirit, where community involvement is a cornerstone of educational success. Local businesses and organizations frequently partner with schools to provide mentorship programs, internships, and scholarships, enhancing real-world learning experiences for students. Furthermore, Fenton nurtures a strong network of parent volunteers who play an essential role in supporting educational initiatives.
In Fenton, a culture of lifelong learning is embraced and cultivated. With a commitment to academic excellence and community engagement, Fenton is indeed a beacon of education in Michigan, illuminating pathways to bright futures.
What Michigan Drivers Should Know About the New PIP Rules
Michigan’s auto insurance laws changed in a big way when the state updated its Personal Injury Protection, or PIP, rules. For decades, Michigan drivers were required to carry unlimited PIP coverage, which paid for all necessary medical care after a crash. That rule set Michigan apart, but it also kept
premiums high. The new law gives drivers more choices, allowing them to pick the amount of medical coverage that best fits their health plan and budget. Understanding those choices is key to making a smart decision, especially if your health insurance already covers accident-related care.
6 | HelloFenton, Michigan • Fall Issue
What Michigan Drivers Should Know About the New PIP Rules
Michigan’s auto insurance laws changed in a big way when the state updated its Personal Injury Protection, or PIP, rules. For decades, Michigan drivers were required to carry unlimited PIP coverage, which paid for all necessary medical care after a crash. That rule set Michigan apart, but it also kept premiums high. The new law gives drivers more choices, allowing them to pick the amount of medical coverage that best fits their health plan and budget. Understanding those choices is key to making a smart decision, especially if your health insurance already covers accident-related care.
Under the new system, drivers can choose from several PIP levels, including unlimited coverage, $500,000, $250,000, or $50,000 for certain Medicaid participants. Each level changes how much the insurer will pay for medical expenses after an accident. If you opt out of PIP entirely, you must have a qualified health plan that covers auto injuries. This is where things can get complicated. Many people assume their health insurance will automatically handle car crash injuries, but that is not always the case. Some health plans exclude auto accidents, while others have high deductibles or limits that can surprise you later.
That is why reviewing both your auto and health insurance before making changes is important. Your health plan might cover hospital bills, but not long-term rehabilitation or attendant care. PIP, on the other hand, can cover in-home assistance, medical equipment, and other ongoing needs. Drivers who choose a lower PIP limit might save money upfront, but could face higher out-of-pocket costs if they are seriously injured. Balancing those tradeoffs is the real challenge of Michigan’s new system.
Another part of the reform affects how medical providers bill for auto accident care. The law now includes a fee schedule, which means providers are reimbursed at specific rates instead of billing insurers for any amount they choose. This change was designed to control costs, but it also affects how some clinics and hospitals handle auto claims. For drivers, it means the insurance system has more predictable pricing, though there can still be delays in processing complex claims.
Many Michigan drivers also misunderstand how PIP interacts with liability coverage. PIP pays for your own medical expenses regardless of who caused the crash, while bodily injury liability covers injuries to others if you are at fault. The reforms did not eliminate that distinction, so keeping adequate liability coverage remains just as important. If you cause an accident that seriously injures another person, your liability limits determine how much protection you have before your personal assets are at risk. For most families, raising liability limits offers a better long-term safeguard than cutting PIP coverage too low.
Another area where confusion arises is coordination between policies. Some auto policies are written as “coordinated,” which means your health insurance pays first, and PIP covers the remainder. Others are “uncoordinated,” which allows PIP to pay first. Coordinated coverage usually costs less but can lead to disputes between insurers over which plan is responsible. Understanding how your policy is written prevents delays in claims or gaps in medical coverage. It is worth confirming this detail before you renew or adjust your policy.
One benefit of the reform is that older drivers and those with good health plans finally have flexibility. A retiree with Medicare Parts A and B can opt out of PIP entirely, reducing costs significantly. Younger families with children might choose higher limits for added protection, especially if they do not have robust health coverage. The law lets households tailor coverage, but it also places more responsibility on drivers to understand their options. Choosing coverage is no longer a one-size-fits-all decision. Instead, it is a matter of balancing cost, comfort, and long-term protection.
The safest approach is to review your entire insurance picture before making any changes, comparing what your health plan covers with what PIP provides. A local insurance agent familiar with Michigan’s unique no-fault system can help translate the fine print into plain terms. It is not just about saving money but about making sure your medical care is covered in a way that matches your needs and resources. Even small differences between policies can affect your finances if an accident happens.
The bottom line is that Michigan’s new PIP rules bring both opportunity and risk. You can lower your premium if your health insurance is strong enough, but you could face large bills if it is not. The flexibility is valuable, yet it requires careful evaluation. As with most financial choices, the right decision depends on your personal circumstances, your family size, medical history, and comfort with risk. Take time to read the details, talk through your health plan, and confirm how both policies would work together if an accident happens. With a bit of preparation, you can take full advantage of the new law while avoiding costly surprises down the road. For many drivers, that peace of mind is worth far more than the savings on paper.
Doug Mercer
covers auto injuries. This is where things can get complicated. Many people assume their health insurance will automatically handle car crash injuries, but that is not always the case. Some health plans exclude auto accidents, while others have high deductibles or limits that can surprise you later.That is why reviewing both your auto and health insurance before making changes is important. Your health plan might cover hospital bills, but not long-term rehabilitation or attendant care. PIP, on the other hand, can cover in-home assistance, medical equipment, and other ongoing needs. Drivers who choose a lower PIP limit might save...
new system, drivers can choose from several PIP levels, including unlimited coverage, $500,000, $250,000, or $50,000 for certain Medicaid participants. Each level changes how much the insurer will pay for medical expenses after an accident. If you opt out of PIP entirely, you must have a qualified health plan that
The safest approach is to review your entire insurance picture before making any changes, comparing what your health plan covers wit...
About the Author
Doug is a Michigan State University graduate with over 30 years representing State Farm. He and his professional team specialize in state-to-state transfers, fast auto insurance quotes, and personalized life insurance solutions. Doug offers expert guidance on PIP coverage and helps families find affordable, protective insurance options.
HelloFenton, Michigan • Fall Issue |7
A Vibrant Gem
8 | HelloFenton, Michigan • Fall Issue
Hello Fenton, Michigan • Fall Issue |9
Discovering Life in Fenton, Michigan
Fenton, Michigan, is a delightful blend of history, charm, and modern living, creating a community that welcomes you with open
arms. This dynamic town boasts a vibrant downtown teeming with local businesses, cozy cafes, and unique boutiques, each adding its own flair to the community's tight-knit atmosphere. The heart of Fenton beats along its picturesque streets where you’re just as likely to encounter a friendly farmer’s market or a lively community event as you are a peaceful, quiet afternoon.
Nature lovers will find solace in Fenton's abundant green spaces, including the charming Millpond Park, where trails meander along serene waters, offering a perfect spot for relaxation or outdoor activities. The Shiawassee River, which gently winds through the town, offers stunning views for those who enjoy reconnecting with nature.
Educational opportunities abound as well, with top-tier schools and family-friendly amenities that make Fenton an ideal place for growing families. The community’s rich calendar of events ensures there's always something to look forward to, whether it's the annual Jinglefest or summer concerts on the park lawn.
Fenton is more than just a place to live – it is a community that embraces a spirit of unity and progress, making it an exceptional place to call home.
A Vibrant Gem
A Vibrant Gem: Discovering Life in Fenton, Michigan
Fenton, Michigan, is a delightful blend of history, charm, and modern living, creating a community that welcomes you with open arms. This dynamic town boasts a vibrant downtown teeming with local businesses, cozy cafes, and unique boutiques, each adding its own flair to the community's tight-knit atmosphere. The heart of Fenton beats along its picturesque streets where you’re just as likely to encounter a friendly farmer’s market or a lively community event as you are a peaceful, quiet afternoon.
Nature lovers will find solace in Fenton's abundant green spaces, including the charming Millpond Park, where trails meander along serene waters, offering a perfect spot for relaxation or outdoor activities. The Shiawassee River, which gently winds through the town, offers stunning views for those who enjoy reconnecting with nature.
Educational opportunities abound as well, with top-tier schools and family-friendly amenities that make Fenton an ideal place for growing families. The community’s rich calendar of events ensures there's always something to look forward to, whether it's the annual Jinglefest or summer concerts on the park lawn.
Fenton is more than just a place to live – it is a community that embraces a spirit of unity and progress, making it an exceptional place to call home.
