Traditionally, a person’s healthcare insurance coverage is there to help pay medical expenses such as doctor visits or hospital stays. In Michigan, for the past few decades, auto insurance policies were required to have unlimited Personal Injury Protection (PIP) coverage. That meant if a driver was hurt as a result of an auto accident, the cost of care, rehabilitation and recovery was covered under PIP Allowable Expenses — and the coverage was essentially unlimited. With the new auto insurance reform law going into effect in July, unlimited personal injury protection coverage is no longer required. While this new option will help reduce the cost of auto insurance for many who choose lower levels of PIP Allowable Expenses coverage, it also means that drivers may need to rely more on their personal healthcare insurance coverage if they’re hurt in an accident.