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Michigan drivers face new insurance choice starting Thursday

The decision is a signature feature of a new law that will lower the cost of personal injury protection benefits.

LANSING, Mich. — Michigan drivers who renew or buy car insurance face a choice starting this week: stick with unlimited medical coverage, go with less or — for seniors with Medicare — opt out entirely. 

The decision is a signature feature of a new law that will lower the cost of personal injury protection benefits.

It boils down to people’s risk tolerance and desire for savings. 

But unlike with choosing a deductible, the selection can have long-term implications in the event of a serious crash. 

Insurance agents say many people whose policies are up for renewal are staying with unlimited medical for now. 

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