I need some advice. I'm moving to Detroit and I need to get auto insurance. I understand that Michigan insurance is expensive. I'm just confused about what some of the options are. For example, if I have full medical coverage, do I need the PIP? It seems excessive for someone who has medical coverage. Granted I have no experience in Michigan but does your medical coverage not kick in whenever you have an auto accident?


Can anyone suggest the options that are necessary versus those that are fluff?