What is Personal Injury Protection (PIP)?


Recently new legislation was passed which affects Personal Injury Protection (PIP). When those changes become effective, this answer will be updated to reflect those changes.

Personal Injury Protection (PIP) is the portion of Michigan’s No-Fault Auto Law that pays for the unlimited, lifetime medical expenses for those injured in an auto accident. This medical help can include covering doctor visits, paying a relative to provide care, daily transportation costs, wage compensation and more.
Drivers in Michigan can choose to “coordinate” their injury coverage with their health insurance. This means that if you have eligible health insurance coverage (that covers auto related injuries), you can ask for that insurance to be the “primary” insurance used if you are injured in a car accident. Coordinating your PIP insurance can save you money on your auto insurance premium.