No-fault laws aren't inherently bad. They are supposed to protect a motorist in the event of any car accident so that one gets proper medical attention regardless of the at-fault party.

However, as a result of this, all motorists in Michigan had to pay for unlimited personal injury protection (PIP) to allow an injured person to receive all necessary medical care for treatment, rehabilitation, and continuing homecare recovery, among others.

This became very expensive; as a result, motorists could choose different PIP coverage levels for the first time from July 1, 2020. Under these initial Michigan no-fault law changes, you can select a coverage limit of $50,000 if you have Medicaid or choose between $250,000 and $500,000 if you do not have the Medicaid coverage.

The reason for this difference is, for Medicaid holders, your health insurance should cover your treatment and not your auto insurance. If you have Medicare, you can opt out of any PIP coverage, and anyone can still get unlimited PIP if they want.

Before choosing your limited PIP coverage, it is imperative that you understand how much health insurance you have. If you are not on Medicaid or Medicare, your health and car insurance provisions may run out, and yet you still need ongoing care.

Should this happen, you may have to limit your resources to qualify for Medicaid and remain that way to continue receiving the benefits. It goes without saying that if your financial resources exceed Medicaid provisions, you'll have to make alternate arrangements for your treatment.