Michigan's unlimited PIP is lifetime (so no out of pocket maximum to cover in year 2 of your catastrophe). There's rules about what is covered of course, but th

Michigan's unlimited PIP is lifetime (so no out of pocket maximum to cover in year 2 of your catastrophe). There's rules about what is covered of course, but the financial side of it is a bit simpler. My premium for the year is less than 1 month of health insurance, it's pretty cheap.