On Oct. 4, Michigan legislators will begin hearings to change the state’s no-fault insurance laws.

Currently, the state has a mandated coverage, known as Personal Injury Protection or PIP. Michigan is the only state that mandates this coverage.

Ostensibly, PIP pays for medical bills and rehabilitation costs in the event of a serious accident. What sets this coverage apart from most others is that is covers for life and the amount is unlimited.

But many critics say that mandating PIP has driven insurance costs up in the state, and drivers who are unwilling to pay for it have been driving around uninsured.

According to a recent story on Michigan Radio, a division of NPR, the amount of uninsured motorists has been increasing. And lawmakers seem to think that PIP is responsible.

Lawmakers think it’s unfair to force drivers to pay for the coverage, but supporters, like Michigan car insurance agents, say that allowing people to bypass PIP means some people who end up needing it won’t be protected in the event of a serious accident. The fact is, no one ever plans to get hurt.