Projected reimbursement costs for care following a catastrophic car accident could still be contributing to auto insurers charging higher premiums, says one national insurance industry researcher.

Executive Director Erin McDonough of the Insurance Alliance of Michigan says drivers purchasing unlimited personal injury protection (PIP) coverage could see a $200 to $300 increase, at least, under legislation reforming Michigan's 2019 auto law.

Michigan's 2019 no-fault auto insurance reforms do not apply retroactively, the Michigan Supreme Court held Monday meaning the cost-cutting restraints put in the law do not apply to those catastrophically injured before 2019.

Michigan drivers will pay back $48 of the $400-per-vehicle refund issued earlier this year after the Michigan Catastrophic Claims Association announced it is changing an assessment because of an anticipated deficit.