Michigan’s no-fault insurance system requires drivers to carry Personal Injury Protection (PIP) coverage, which pays for medical expenses, lost wages, and replacement services regardless of who is at fault in an accident. This system aims to reduce litigation costs and speed up compensation. However, recent reforms have introduced options for different levels of PIP coverage, allowing drivers to choose the amount of medical coverage they want. Additionally, the reforms have implemented fee schedules for medical services and increased the liability coverage minimums. Understanding these changes is crucial for Michigan drivers to ensure they have adequate protection and comply with state laws.