While how much you get and under what terms will largely depend on what type of coverage you have, most auto insurance policies pay for pain and suffering.
The No-Fault insurance coverage has three different parts:
Personal Injury Protection (PIP)
Property Protection (PPI)
Residual Liability Insurance (BI/PD)
PIP will pay for the necessary medical expenses up to the maximum coverage selected, which goes from $50,000 per person per accident to unlimited coverage. You can also opt to have no medical coverage for your PIP.
PPI pays up to $1 million for damages your car causes to other people’s property in Michigan.
And finally, BI/PD protects the insured party from being sued due to a car accident, with some exceptions.