www.myspace.com/thesolutionguy- This link will provide you the most comprehensive information on Michigan’s Auto No-Fault laws and how having proper auto insurance could mean the difference between unlimited care coverage in the event of a catastrophic accident or bankruptcy. (Courtesy of John G. Prosser III- Vice President at Health Partners Inc.)

http://www.protect-no-fault.com

http://www.michigancatastrophic.com/

www.healthpartnersinc.com

CONSUMER GROUPS

• Brain Injury Association of Michigan
• Disability Advocates of Kent County
• Disability Network of Michigan
• Michigan Citizen Action
• Michigan Paralyzed Veterans of America
• Michigan Protection and Advocacy Service
• Michigan State AFL-CIO
• UAW Michigan CAP

(more…)

Looking into the information that has been prepared by others who are looking out for our best interest as Michigan drivers is crucial in protecting the rights and benefits currently in place. EDUCATION and ACTION are key things to remember when thinking about how you can help in the efforts to support our current legislation and No-Fault model.

Take the time to ask questions. Learn about the programs that are helping so many accident victims access the care and rehabilitative therapies necessary to continue to live as “normal” a life as possible after a life-altering auto accident. It’s likely you’ll find that those individuals, their families and loved ones will tell you that they would never be able to access the necessary care to live as happily or productively as possible without the current Michigan No-Fault Insurance benefits.

Write to your state legislators and let them know how you feel. If enough of us express that we are NOT in support of these bills we have a much better chance of protecting our existing No-Fault model.

Not exactly… According to C-PAN (The Coalition Protecting Auto No-Fault)
“This delicate balance and the highly respected benefits it affords Michigan drivers are now in serious jeopardy. In the last decade, the insurance industry has launched an attack on the Michigan no-fault system in an attempt to alter the fundamental promise of no-fault in the following ways:

• By winning several important court decisions which have resulted in a substantial loss of rights for injured people; and
• By proposing legislation that would reduce insurance benefits, adopt managed care, impose medical fee schedules, and allow insurance companies to write polices that would pay for only a fraction of the medical expenses suffered by catastrophically injured people.

The need to vigorously oppose these efforts by the insurance company is what led to the creation of CPAN (the Coalition Protecting Auto No-Fault) in 2003.  CPAN is fighting on behalf of injured people and healthcare providers throughout our state to keep our model no-fault system intact.” (more…)

Thirty-five years ago, Michigan adopted a no-fault auto insurance system built upon a fundamental compromise:

Guaranteed payment of lifetime medical and rehabilitation expenses for all individuals sustaining injury in motor vehicle accidents, regardless of fault, in exchange for fair and reasonable limitations on the rights of seriously injured victims to recover noneconomic loss damages from the careless drivers who cause injury.

As a result of this basic compromise, Michigan was successful in establishing a no-fault system that was the envy of the nation – balancing fair and necessary first party benefits while preserving tort rights for seriously injured victims, all while keeping premiums affordable. (http://www.protect-no-fault.com/index.html)

A full explanation of Michigan’s Auto No-Fault Benefits may be found at the following link: http://www.protect-no-fault.com/michigan-no-fault-system.htm
Many Michigan drivers have no idea that we are the only state in the union to provide such benefits.

How many times have you been stuck in traffic behind a long line of fellow motorists wondering “What IS the hold-up!!??” The road is like a parking lot and you can’t seem to figure out what’s keeping the flow from moving. You weave from one lane to the next anticipating which will begin to move a little quicker so you can continue on your way.

Soon the situation becomes clear- the flashing lights, smoke from the flares, twisted metal that moments ago carried commuters, a new driver or perhaps, a family.  You wrench your neck to gawk as you pass the scene. Many times it’s a minor fender bender, but more often than we realize- people are fatally or catastrophically injured on Michigan roadways each day.

Catastrophic injury in an automobile accident is a very serious, life-altering event. It affects not only the injured party, but every person and every aspect in that person’s life. Individuals who sustain catastrophic injuries typically are in for a long recovery period and many require some type of supportive care for the remainder of their lives. Can you imagine the impact on you or your loved ones if this very unfortunate event visited you?