Auto insurance renewal notices are in the process of being sent out to Michigan drivers. Experts say motorists can expect to see a hike in their premiums before they see any type of savings under a new no-fault auto insurance reform law. The law takes effect in June, but attorney Steven Gursten with Michigan Auto law says insurance companies will be looking at raising rates now in order to lock in profits after the new law takes effect. “Insurance companies are raising people’s car insurance rates today, in anticipation of of the new law.” The result, says Gursten, is that you may end up paying about the same – if not more – for auto insurance after the law takes effect. Next year will also marks the first time Michigan motorists have the option to opt in or opt out of unlimited catastrophic personal injury coverage. If you choose to keep coverage from the Michigan Catastrophic Claims Association, you’ll see a reduction of $120. Those who opt out of the MCCA entirely will be able to choose their own personal injury limits through their insurance company. No fault insurance reform, which received bipartisan support in Michigan, was signed into law by Governor Whitmer during the Mackinac Policy Conference this past summer.