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WHAT IS PIP: 
A set of 3 coverages:​
  1. Medical: Coverage up to policy limits (unlimited, if you choose that option) for claims with medical expenses for your care, recovery and rehab. This includes products, services and accommodations resulting from your accident. Funeral and burial expenses are also covered.
  2. ​Lost Wages: Coverage for up to 85% of your lost wages due to your accident for 3 years max.
  3. Replacement Services: $20 per day for tasks the injured can no longer perform

OUR OPINION: 
UNLIMITED PIP:
KEEP UNLIMITED. Unlimited PIP is by far the best health insurance you can buy, it is entirely worth it, so long as you can afford it.

$500,000:
But, if you cannot afford it, try to keep $500,000 in coverage

$250,000:
The savings between the $500,000 option and the $250,000 option is so little- NOT WORTH IT

NO COVERAGE:
For a very select few, $0 coverage may make sense, but you should talk to an agent before so you know what you are removing.

OUR REASONING:
Unlimited PIP Doesn't Have:
  1. Caps on coverage
  2. Deductibles
  3. Co-Pays

Unlimited PIP Pays for things Health Insurance Doesn't:
  1. PIP Never Runs Out/Stops Paying
  2. Attendant Care (very expensive)
  3. Customizing auto and home to accommodate a auto-injury disability
  4. and much more... 

WHERE DOES COVERAGE COME FROM: 
  1. Your Policy
  2. Your Spouse's Policy
  3. Resident Relative's Policy
  4. Michigan Assigned Claims Plan (MACP) - $250,000 limit (effective 7-2-20)
​
​Options 4 & 5 of the old order cut out, leaving people on your policy who are not relatives, or no longer residents with far less coverage than before

WHERE DOES COVERAGE FOR MOTORCYCLISTS COME FROM?
  1. Owner of Car's Policy
  2. Operator of Car's Policy
  3. The Motorcyclist's Personal Auto Policy
  4. Michigan Assigned Claims Plan (MACP) - $250,000 limit

The problem here: The motorcyclist is stuck with whatever the owner or operator of the car picked. Even if the MC operator had better, limits, he/she is stuck with only the other party's limits. In other words, pick the maximum in Med Pay or Med Benefits when available.