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.