Effective July 2, 2020, the state of Michigan is set to see a significant change to its existing No-Fault law.  Since 1973, Michigan drivers have been required to purchase No-Fault insurance; and the primary coverage afforded by this insurance is Personal Injury Protection (PIP). Intended to cover medical expenses and other accident related costs, PIP provided unlimited and potentially lifelong monetary benefits for drivers involved in auto accidents. Beginning July 2, Public Acts 21 and 22 will bring new choices to individuals and businesses with respects to the PIP benefit levels they wish to purchase. The intent of these options is to decrease the overall cost of insurance for insureds in the state of Michigan.