Personal Injury Insurance
Protect what matters most with Personal Injury Protection coverage from Melton McFadden. In Michigan’s no-fault system, PIP ensures you and your passengers are covered for medical expenses, lost wages, rehabilitation, and more—regardless of fault. Drive with confidence knowing your protection goes the extra mile.
What Is Personal Injury Protection?
Personal Injury Protection (PIP)—often called No-Fault Insurance—is a required part of your auto insurance in Michigan. While not mandatory in every state, Michigan’s No-Fault Law makes PIP coverage a legal must-have.
This coverage pays for medical costs related to car accidents—no matter who caused the crash. It applies to:
Most importantly, it helps ensure that your employees are taken care of while protecting your business from costly lawsuits or compliance violations.
- The policyholder
- Passengers in the vehicle
- (In some cases) Passengers without health insurance
Each policy has a per-person coverage limit, meaning there’s a cap on how much can be paid out for each injured individual. If medical costs go over your policy limit, your health insurance may kick in—but it’s wise to double-check with your provider.
Benefits of Personal Injury Protection
The biggest benefit of PIP is right in the nickname: No-Fault insurance. That means you don’t need to waste time figuring out who caused the accident—your medical bills get paid either way.
With regular auto insurance, the at-fault driver’s insurance covers damages. But with PIP, your own insurance takes care of you and your passengers. It’s faster, easier, and much less stressful after an accident.
What Does PIP Cover?
Emergency medical care and treatment
Surgeries and hospitalization
Rehabilitation and therapy
Lost wages if you’re unable to work
Funeral costs
Ongoing care (like in-home nursing or childcare while you recover)
PIP vs. Liability vs. Medical Payments Coverage
These three get confused often, so here’s a quick breakdown.
| Coverage Type | Who/What It Covers | Required in Michigan? |
|---|---|---|
| Personal Injury Protection (PIP) | You and your passengers, regardless of fault | Yes |
| Liability Insurance | Other people’s injuries and damages if you’re at fault | Yes |
| Medical Payments Coverage | Your medical expenses, regardless of fault | Optional (and limited in scope) |
Personal Injury Protection in Michigan
At Melton McFadden, we offer personal injury protection policies that meet Michigan’s legal requirements—and go beyond, giving you real peace of mind.
We’ll help you find the coverage that fits your lifestyle, your budget, and your unique needs. No guesswork. No gaps. Just solid protection when you need it most.
Contact us today to learn how personal injury protection can help keep your future—and your finances—secure.