If you are catastrophically injured in a an auto accident in Michigan, your auto no-fault (PIP or personal injury protection) coverage will pay your related medical bills for your entire lifetime. Of course, this type of coverage comes with a price tag. Many Michigan residents are looking for ways to reduce their Michigan auto no fault insurance premiums and some new support is being garnered in the political arena for a reduction in benefits capping the Michigan PIP medical coverage at $10 million. Currently, fraud and abuse is rampant within the Michigan no-fault or PIP insurance space. Michigan PIP claims investigations.