Why would I need PIP if my health insurance covers medical care?

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PIP coverage is much broader than any type of commercial health insurance. No-fault PIP coverage covers everything from:

  • Medical bills
  • Mileage to and from doctors’ appointments, therapy visits, etc.
  • Medical transportation if you don’t have a vehicle
  • Nursing care at home
  • Attendant care (including reimbursement for family or friends performing this role)
  • Home modifications for accessibility, for example, if you end up in a wheelchair

In fact, in Michigan, if you live in a mobile home or other housing that can’t be modified to be accessible, the insurance company will buy or build you a new home if you have unlimited PIP.

In short, there’s no health insurance policy that comes remotely close to providing the benefits that a Michigan PIP provides.

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