We Care About Your Rights under Michigan Auto-No Fault Law

Michigan residents enjoy a unique health care benefit as part of the auto insurance coverage in this state, and we believe this is a model for the nation.

Health Partners works hard as a consumer advocate to protect against attempts by insurance companies to reduce the coverage available under Michigan Auto No-Fault insurance law. In fact, we’re so passionate about this system that we are one of the founding members of the NeuroTrauma Association, an advocacy organization with the singular goal of spreading the lifetime coverage model to other states.

John Gwynne Prosser II, Vice President of Health Partners, Inc, also serves as the President of the NeuroTrauma Association. He is active with the legislature and media both in Michigan and in other states, and spends much of his time advocating for this system. John encourages everyone to learn about their benefits, or lack thereof, and to take action. By becoming an informed advocate of this law and educating your legislators, friends, family, and local media, you can make a difference in the outcome of this important cause.

John Gwynne Prosser II also authored the book, “The Educated Consumers Guide to No-Fault Automobile Insurance”. You can purchase this book at

Medical Coverage is Not Causing High Auto Insurance Premiums in Michigan

A downloadable inforgraphic explains that medical coverage is not the cause of higher insurance premiums in Michigan.

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.

Straight-Talk about the Facts, Figures and the Fight to Protect Michigan’s Auto No-Fault Law, with Mitch Albom

Mitch Albom Talks to the Leaders of Michigan’s Brain Injury Treatment and Rehabilitation Community at the 35th Annual Conference of the Brain Injury Association.
In a live broadcast from the event, Mitch Albom holds a lively discussion with the leaders, stakeholders and the community about the unique benefits and advantages of Michigan’s Auto No-Fault law. 
Listen in to hear why Michiganders need to protect this unique program and hear about why the insurance companies want to take it away.

Mitch Albom Speaks to Sophia Bong of STAR Rehab and the Guiding STAR Foundation

Sophia Bong, CEO of STAR Rehab and founder of the Guiding STAR Foundation, joins the Mitch Albom Show to discuss the differences she sees in treating clients who have different types of insurance.

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.

Brain Injury Association of Michigan Endorses the Neuro Trauma Association

Mike Dabbs, President of the Brain Injury Association of Michigan, endorses the work of John Prosser II and the Neuro Trauma Association in a letter dated December 1, 2014.

John G. Prosser II Endorsed

John G. Prosser II is endorsed by WJR's Mitch Albom Show as expert on the subject of Michigan Auto No-Fault insurance.

Revisited: 1976 Letter to Governor Milliken from Dept. of Commerce

In 1976, just 3 years after Michigan's groundbreaking Auto No-Fault law was enacted, insurance commissioner Thomas C. Jones released at 30 page report detailing the impact of the legislation on both health care costs and insurance premiums. He states,  "I am pleased to report to you that no-fault has in fact fulfilled your hopes and the hopes of its many other supporters. No-fault auto insurance has provided Michigan's drivers and passengers with more benefits per premium dollar than the insurance system of any other state and has assured that those benefits are distributed more promptly and equitably. This report supports that conclusion in every important aspect."

A Plan to Help Michiganders Save Money on Auto Insurance Without Capping Personal Injury Benefits

Can Michiganders save money on their auto insurance without capping personal injury benefits?

House Democrats have proposed a 14 bill package that says YES.

House Democrats aim to save drivers money on auto insurance without capping personal injury benefits by targeting other areas of the state's insurance law.

The plan is to reduce auto insurance costs by eliminating the secondary lifestyle indicators currently used by insurance companies to unfairly calculate rates, such as credit score and zip code.

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.
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