When Michigan reformed its auto insurance laws in 2019, drivers were given the option to lower their Personal Injury Protection (PIP) coverage. At first glance, choosing a lower limit might look like a good way to save on monthly premiums. But when it comes to protecting yourself and your family, unlimited PIP remains the best choice. Here’s why:
Unlimited Medical Coverage for Life
Unlimited PIP covers all reasonable and necessary medical expenses if you’re injured in a car accident—without a cap. Severe injuries like spinal cord damage, brain trauma, or multiple surgeries can cost millions over a lifetime. Lower coverage options like $250,000 or $500,000 can run out quickly, leaving you on the hook for the rest.
Coverage Beyond the Hospital
PIP doesn’t stop at medical bills. It also covers rehabilitation, in-home nursing, home modifications (like wheelchair ramps), and even certain caregiving services provided by family members. With lower coverage limits, many of these vital services may not be available to you.
Peace of Mind and Financial Security
Health insurance is no substitute for PIP. Most health policies won’t cover long-term care or in-home assistance. Unlimited PIP ensures that you and your family won’t face crushing financial burdens if the unexpected happens.
The Safer Choice
While lowering your PIP coverage might save a little money now, the risks are simply too great. Unlimited PIP is still the gold standard for protecting Michigan drivers and their families.
At The Woods Law Office, we help families navigate Michigan’s auto laws and make informed choices that safeguard their future. If you have questions about your auto insurance or need guidance after an accident, we’re here to help.
