How Does Credit Score Impact Auto Insurance in Michigan?

This article from NPR sums up the confusion surrounding auto rates that help make Michigan auto insurance some of the most expensive in the country.  This in spite of reform that was supposed to bring rate relief. "Michigan's 2019 auto no fault law banned the use of credit scores in setting car insurance rates, but not the use of insurance scores."
"Insurance scores and credit scores are virtually identical methods of determining if someone has good or poor credit."
From our experience we still need enumeration (a client's Social Security Number) and the carriers do a soft ping on credit.  While it may NOT be used to determine rates it will be used to determine available payment options.  Enumeration is also required for health insurance since the homeland security act was signed by President Obama in 2008.  Michigan Personal Injury Protection (PIP) is a huge health insurance benefit and is applied to everyone in a household unless everyone is on Medicare.  Medicare eligible people have the option to opt out of PIP - but that may be a bad idea if they have any assets worth protecting.