There’s no doubt that some people have benefited from Michigan’s unique requirement of forcing all drivers to purchase unlimited PIP coverage. But it’s important to remember that the vast majority of all insured drivers will never need this level of coverage. Drivers should be allowed to purchase a variety of different levels of coverage, such as $10,000, $25,000 or $100,000. The other 11 states that use a no-fault system require drivers to purchase PIP coverage ranging from $5,000 to $50,000.

And, of course, if drivers still demand unlimited PIP coverage, they would potentially be able to purchase it from insurance companies. It’s just now these drivers will have to bear more of the direct costs of that expensive benefit themselves rather than spreading it across all drivers, nearly all of whom will never use it.