Legislation

Learn about the measures being taken up in our courts on both sides of the argument.  Read about legislation and inspect the various bills and arguments for yourself.  Understand your rights as a Michigan driver and the implications for you if the campagin by insurance companies is successful.

What’s Really Driving No-Fault Premiums

What’s Really Driving No Fault Premiums
By John Prosser III

Seemingly every year the topic of reforming Michigan’s unique no-fault automobile insurance system comes up. The approaches to reform are varied, but the primary cause for conversation has remained the same: some drivers around the state pay as much as $3,000-5,000 a year for their auto insurance.

“Just look at Ohio,” some will say. “They only pay $900 on average.”

According to the most recent report from the National Association of Insurance Commissioners (NAIC) published January 2017, the national average for auto insurance, regardless of what it covers or how it operates, is $982 per vehicle.

In the 38 states that operate on a tort system, your insurance will pay to repair your car, the damage you cause with it, and give you some protection in the case that you cause an accident, are sued, and owe another driver damages. In tort states you also have to wait for your lawsuit to resolve before you really can start therapy, unless you have enough savings to pay out of pocket.

In 12 other states there is some form of no-fault coverage, where drivers are able to file claims against their own insurance policy, but 11 of those states have caps on that coverage. New Jersey has the second highest coverage limit, with $250,000 in coverage, while Michigan leads the pack with no predetermined limit.

Understanding House Bill 4752: What you Need to Know Now

There’s been a lot of talk in the media about various initiatives in Lansing to address the future of Michigan’s Auto No-Fault law. Especially prominent is House Bill 4752. This bill calls for transparency and full disclosure by the MCCA – which is the entity that manages the $20 million fund that pays for medical care when drivers fall victim to catastrophic injury due to car crashes.

In an interview with Steve Gruber on The Steve Gruber Show (1240 WJIM), John Prosser II explains what’s happening in Lansing with this and other important initiatives that impact the fate of Auto No-Fault benefits for Michigan Drivers.

What Would Senate Bill 288 (S-3) D-Insurance Mean to Real People

D-Insurance would severely limit medical benefits coverage in hopes that insurers might lower premium charges. Mayor Duggan and others pushing for this proposal have pointed to other states and said that if this were to pass, people would still have one of the highest benefit levels in the country. While this may be true, it’s important to look at what occurs in the other states following a catastrophic car accident.

The House Insurance Committee should consider all bills to reduce auto no-fault costs — not just those promoted by insurance companies.

John Prosser III, a Customer Service Executive at Health Partners Homecare and an advocate for protecting Michigan's Auto No-Fault, shares his view from inside the fight to protect this important and unique benefit to Michigan drivers.

Legislation that Would Add Transparency to the Auto No-Fault Argument - Allowed to Languish in the House

Over four months ago, House Bill 4752 was introduced by State Representative Derek Miller (D-Warren) in an effort to require full transparency from the MCCA - the entity in charge of the fund created by Michigan Drivers to provide care to those catastrophically injured in car accidents. The fund, which was established by our government in 1978, is valued at approximately $20 billion today. This bill, and 7 others like it, have yet to be acted upon.

Mitch Albom: No Fault Bill Should Make People Very Suspicious

APRIL 20, 2015

Last week, in an incredibly rushed effort, the Michigan Senate passed a bill that would dramatically limit services available to catastrophically injured people under Michigan’s unique auto no-fault law. Mitch interviews John Prosser and John Cornack as they discuss the impact the bill would have on individuals and their providers.

Press Conference: Key Public Officials Say NO to Auto No-Fault Reform

Oakland County Executive L. Brooks Patterson presents a unified opposition against Michigan Auto No-Fault reform; calling the proposed legislation, "A pro-insurance industry, anti-victim piece of legislation".

In his comments, Mr. Patterson says that the 17 billion dollar fund, which was created by drivers and is used for caring for victims of catastrophic auto accidents, is sustainable and growing.

He articulates specific problems with the proposed legislation and suggests that it was written only in the interest of insurance companies.

Wayne Co. Executive Robert Ficano, Macomb Co. Executive Mark Hackel and Thomas Stallworth III representing the Detroit caucus, were also present; as were members of CPAN and representatives from the health care sector.

Mitch Albom hosts John Prosser, Discusses the Effect of Proposed Legislation

Mitch Albom covers a recent press conference held at Walk The Line to SCI Recovery, a rehab facility located in Southfield MI, in which key political figures spoke out against Auto No-Fault reform.

John Prosser speaks out on behalf of the Coalition Protecting Auto No Fault.  Prosser says that the current system works perfectly and that proposed legislation would surely result in medical bills that would push victims into bankruptcy.  He says, "Bankruptcy due to medical expenses punishes the whole family and leaves the victim to fall into Medicaid and suffer from neglect."

Seniors Need PIP Benefits (HB 4959)

Key issue: 

“ An owner or registrant of a motor vehicle required to be registered in this state who is an individual 65 years of age or older is not required to maintain security for benefits under personal protection insurance.”

The supposition is that this population is already covered, whether by their personal health insurance, or eventually Medicare/Medicaid, and thus they are being made to pay twice for benefits.  However, all of these coverages have distinct shortfalls with regards to the benefits covered under personal injury protection in auto no-fault.

A Summary of House Bill 4612 (H-1) as Reported from House Commitee

This is the 18 page report by the House Committee that sumarizes the amendments proposed to Michigan's Auto No-Fault coverages.

FOIA Request Filed: MCCA Requested to Share it's Methods and Calculations

The Coalition Protecting Auto No-Fault (CPAN)files a formal FOIA request against the Michigan Catastrophic Claims Association (MCCA).

Prosser Talks with Mitch Albom about the Impact of Auto No-Fault Legislation

Listen and learn how insurance companies are hoping to convince you that a savings of 33 cents per day is worth the financial livelihoods and even the lives of many Michiganders.

CPAN Urges Governor Snyder to Avoid No-Fault Change During Lame Duck

CPAN President John Cornack asks Governor Snyder to avoid a hasty decision regarding no-fault reform

CPAN Analysis of HB 5864

CPAN evaluates the broad ramifications of the new threshold bill.

Capping No-Fault Benefits Shifts Millions to Taxpayers

A new study estimates that proposed auto insurance legislation could cost the state $30 million per year.
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