Michigan drivers often choose between:

• Coordinated PIP: Your health insurance pays first for accident-related treatment. This can save on premiums but may limit provider choice or create delays.
• Uncoordinated PIP: Your auto insurer pays first, giving you broader coverage and fewer disputes when injuries are serious.

When policies renew at year-end, it’s crucial to know which option you selected because it directly affects who pays your bills after a crash. If you’re unsure or your insurer is bouncing you between adjusters, we step in and ensure your benefits are protected.