What's Really Driving No-Fault Premiums

Press Release posted on May 15, 2017 by John Prosser II

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

Audio File posted on October 30, 2015 by John Prosser II
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.

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

Press Release posted on October 29, 2015 by John Prosser II
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.

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

Press Release posted on October 29, 2015 by John Prosser II
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.

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

Press Release posted on October 29, 2015 by John Prosser II
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.

Mitch Albom: No Fault Bill Should Make People Very Suspicious

Audio File posted on April 20, 2015 by John Prosser II

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.

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

Audio File posted on March 10, 2014 by John Prosser II
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)

Press Release posted on September 19, 2013 by John Prosser II
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

Press Release posted on August 7, 2013 by John Prosser II
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

Press Release posted on June 10, 2013 by John Prosser II
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

Audio File posted on May 28, 2013 by John Prosser II
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.

Auto Insurers' Coordinated Benefits Policies Under Fire

Press Release posted on March 19, 2013 by John Prosser II
Jay Greene of Crain's Detroit Business explains CPAN's efforts to have rates reduced for drivers who purchase coordinated policies.

Capping No-Fault Benefits Shifts Millions to Taxpayers

Press Release posted on March 19, 2013 by John Prosser II
A new study estimates that proposed auto insurance legislation could cost the state $30 million per year.

CPAN Analysis of HB 5864

Press Release posted on March 19, 2013 by John Prosser II
CPAN evaluates the broad ramifications of the new threshold bill.

CPAN Sample Letters for Editors

Press Release posted on March 19, 2013 by John Prosser II
CPAN provides modifiable sample letters that citizens may use in contacting their legislators about no-fault reform.

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

Press Release posted on March 19, 2013 by John Prosser II
CPAN President John Cornack asks Governor Snyder to avoid a hasty decision regarding no-fault reform

Draft Letter #1 For Legislators

Press Release posted on March 19, 2013 by John Prosser II
A potential letter for citizens to send to their legislators discussing the vision of the legislature of the time in crafting such a mutually beneficial model.

Draft Letter #2 For Legislators

Press Release posted on March 19, 2013 by John Prosser II
Another potential letter that anyone may use to contact their legislators. This letter reflects Rep. Cavanagh's sentiment that legislators need data to make a responsible decision.

Draft Letter #3 For Legislators

Press Release posted on March 19, 2013 by John Prosser II
A thank you letter to Representatives and Senators for their support of Michigan's auto no-fault model.

Example: Long Term Cost of Care for Catastrophic Auto Injury

Press Release posted on March 19, 2013 by John Prosser II
This document demonstrates the potential costs of a catastrophic auto accident, and why proposed caps on benefits would be severly insufficient.

Final Analysis of HB 5864 (Sinas Dramis)

Press Release posted on March 19, 2013 by John Prosser II
House Bill 5864 would essentially eliminate third party claims by drastically altering "serious impairment of body function."

Group Fighting Changes to State No-Fault Auto Insurance Law Sues for Claims Information

Press Release posted on March 19, 2013 by John Prosser II
Tim Martin, Crain's Detroit Business, talks about the CPAN lawsuit against the MCCA for their actuarial data.

Hospitals: Flaws in No-Fault Bills

Press Release posted on March 19, 2013 by John Prosser II
Jay Greene of Crain's Detroit Business discusses the unintended negative consequences of HB 4936.

House Bill 4785 of 2011

Press Release posted on March 19, 2013 by John Prosser II
House Bill 4785 of 2011 would have subject the MCCA to the Freedom of Information Act as well as the Open Meetings Act. In addition, the bill would have required an annual audit of the MCCA by an independent certified CPA.

House Bill 4936 of 2011

Press Release posted on March 19, 2013 by John Prosser II
House Bill 4936 of 2011 introduced the largest proposed changes to auto no-fault to date.

House Bill 5588 of 2012

Press Release posted on March 19, 2013 by John Prosser II
House Bill 5588 of 2012 would have excluded those who were operating a stolen automobile or who were using an automobile to commit a crime from collecting no-fault benefits.

House Bill 5701 of 2012

Press Release posted on March 19, 2013 by John Prosser II
House Bill 5701 of 2012, otherwise known as "the fraud bill," would have created a new Fraud and Theft Prevention Authority to investigate auto insurance fraud.

House Bill 5706 of 2012

Press Release posted on March 19, 2013 by John Prosser II
House Bill 5706 of 2012 would have insurers capture the whole MCCA assessment in the first billing. This assessment would not be refundable upon cancelation of the policy.

House Bill 5707 of 2012

Press Release posted on March 19, 2013 by John Prosser II
House Bill 5707 of 2012 would have prevented insurers from selling auto insurance policies that had a term of less than 1 month.

House Bill 5864 of 2012

Press Release posted on March 19, 2013 by John Prosser II
House Bill 5864 of 2012, commonly referred to as "the threshold bill"

House Bill 6080 of 2012

Press Release posted on March 19, 2013 by John Prosser II
House Bill 6080 of 2012 would have subject certain functions of the MCCA to FOIA and the Open Meetings Act.

House Bill 6081 of 2012

Press Release posted on March 19, 2013 by John Prosser II
House Bill 6081 of 2012 would have subject the MCCA to the Freedom of Information Act and the Open Meetings Act.

House Bill 6082 of 2012

Press Release posted on March 19, 2013 by John Prosser II
House Bill 6082 of 2012 would have set a course of action for the use of funds if the MCCA ceased to exist.

House Fiscal Agency: Summary of HB 4936

Press Release posted on March 19, 2013 by John Prosser II
A legislative analysis of HB 4936 as prepared by the House Fiscal Agency.

House Fiscal Agency: Summary of HB 5891

Press Release posted on March 19, 2013 by John Prosser II
House Bill 5891 of 2011 would have altered the reporting requirements of insurers to their policyholders. The bill would also have eliminated the $300 limit on the deductible that can be offered on personal injury protection (PIP) coverage.

Judge Clinton Canady III Hears CPAN/BIA v MCCA

Press Release posted on March 19, 2013 by John Prosser II
This is the court hearing transcript from October 24, 2012.

Legislators Want Data Before Changing Auto No-Fault

Press Release posted on March 19, 2013 by John Prosser II
Rep. Kate Segal has joined the efforts to get the data (justification) for the proposed no-fault reforms.

MBIPC Whitepaper on Attendant Care

Press Release posted on March 19, 2013 by John Prosser II
The Michigan Brian Injury Providers Council submits its opinion that attendant care is a significant benefit to catastrophic accident victims and that proposed legislation limiting attendant care would undermine the quality of care for these people.

Medical Fees Rise as No Fault Bills Languish Assessments to Hit Record High

Press Release posted on March 19, 2013 by John Prosser II
Chad Halcom of Crain's Detroit Business discusses HB 4936 and SB 649 and the state of auto no-fault.

Michigan Auto No-Fault: It's About People

Press Release posted on March 19, 2013 by John Prosser II
CPAN issues a press release detailing the extensive benefits of our auto insurance model, while warning against potential negative ramifications of HB 4936.

Michigan House Bill 4936 -- Is It Genocide?

Press Release posted on March 19, 2013 by John Prosser II
Michelle Shafer RN, BA, CBIS discusses the significant impact HB 4936 would have on catastrophically injured accident victims.

Michigan Man, Who Beat the Odds After Car Crash, Fights Against No-Fault Insurance Reform

Press Release posted on March 19, 2013 by John Prosser II
Melissa Anders of Mlive interviews Sam Howell and his family about their efforts to save auto no-fault.

New Report on Impact of No-Fault Reforms Collides with Another Report's Conclusions

Press Release posted on March 19, 2013 by John Prosser II
Jay Greene of Crain's Detroit Business discusses the "other side" of HB 4936.

Opinion: Auto No-Fault Legislation Has Too Much Risk

Press Release posted on March 19, 2013 by John Prosser II
Spencer Johnson, President of the Michigan Health and Hospital Association, shares his view of proposed auto no-fault legislation.

Report: No Fault Changes Would Trim Rates but Cost Jobs

Press Release posted on March 19, 2013 by John Prosser II
Jay Greene of Crain's Detroit Business discusses the impact to the Michigan economy if proposed no-fault changes were passed.

Senate Bill 074 of 2011

Press Release posted on March 19, 2013 by John Prosser II
Senate Bill 074 of 2011 would subject the MCCA to FOIA and the Open Meetings Act.

Senate Bill 196 of 2011

Press Release posted on March 19, 2013 by John Prosser II
Senate Bill 196 of 2011 would allow policyholders to appeal proposed rate increases.

Senate Bill 293 of 2011

Press Release posted on March 19, 2013 by John Prosser II
Senate Bill 293 of 2011 is the Senate proposed form of HB 4936, or "PIP Choice." The bill would have allowed consumers to choose from varying levels of coverage beginning as low as $50,000.

Senate Bill 628 of 2011

Press Release posted on March 19, 2013 by John Prosser II
Senate Bill 628 of 2011 would prevent insurance companies from setting rates based on where an insured lives.

Stage Set for 'Battle Royal' Between Auto Insurers and Providers Over Cutting Reimbursement Under Michigan's Expansive No-Fault Auto Law

Press Release posted on March 19, 2013 by John Prosser II
Jay Greene of Crain's Detroit Business discusses exactly who would benefit from proposed auto no-fault reform.

Study: Michigan Medicaid Costs Could Rise by $30 Million in First Year if No-Fault Bill is Approved

Press Release posted on March 19, 2013 by John Prosser II
Jay Greene of Crain's Detroit Business discusses the Public Sector Consultants report that suggests no-fault reform would result in a cost shift to Medicaid while reducing the services available to catastrophically injured accident victims.

Unanswered Questions About the Pros and Cons of Reforming Michigan's No-Fault Auto Insurance Law

Press Release posted on March 19, 2013 by John Prosser II
Jay Greene of Crain's Detroit Business asks open ended questions about the potential results of proposed no-fault reforms.

Auto No Fault Reform: What are They Hiding?

Audio File posted on March 19, 2013 by John Prosser II
CPAN seeks transparency and full disclosure of the facts surrounding Michigan auto no-fault reform.

John Prosser II Gives Mitch Albom a No-Fault Update (3/06/13)

Audio File posted on March 19, 2013 by John Prosser II
John Prosser II discusses the current status of the Ingham County lawsuit as well as the BIA Legacy Dinner.

Medical Bills are the No. 1 Cause of Bankruptcy

Audio File posted on March 19, 2013 by John Prosser II
John Prosser II talks about a Harvard research study which states that unpaid medical bills are the leading cause of bankruptcy.

Status Update on Lawsuit to Reveal MCCA Data

Audio File posted on March 19, 2013 by John Prosser II
The Insurance Coalition is remaining strong in their desire to keep the MCCA books closed.