LANSING, Mich. Michigan drivers who renew or buy car insurance face a choice starting Thursday: stick with unlimited medical coverage, go with less or -- for seniors with Medicare -- opt out entirely. Such lawsuits are expected to rise since fewer people will have unlimited medical. Fox said concerns that higher bodily injury coverage would completely negate PIP savings have not been borne out. Someone with unlimited medical and the default bodily injury coverage, for example, will still save about 10%, according to state data. The state said calls to its auto insurance hotline are up tenfold from May.