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

Citizens Research Council Presents Paper on Health Care Costs Associated with Auto-No Fault: "A Narrow View"

Nicole Bradshaw of the CRC of Michigan is heard on the Tony Conley Morning Show (AM Radio 1320 WILS) discussing their recent paper on health care costs associated with Michigan's Auto-No Fault insurance.  She describes the report as having a "very narrow view" and clarifys that only the medical costs were researched and that no other factors the make up an auto-insurance premium were considered in the study.  The CRC is an independent study and does not take a position on the reform issue.

The CRC Report on Auto No-fault Medical Costs - Not The Whole Picture.

John Prosser II is interviewed on the Tony Conley Morning Show (AM Radio 1320 WILS) about the report recently released by the Citizens Research Council on auto no-fault medical costs. In the interview, Prosser notes how the study does not address collision costs (approx. 50% of a policy) or insurance company profitability. The Citizens Research Council also claimed that it contacted interested parties in developing the report, but CPAN - an industry association that represents more than 30 different interested parties - was not contacted.  Prosser also points out that the 

Why MI Auto No-Fault is Superior to Other Coverages

Mitch Albom hosts Dr. Owen Perlman, CPAN President John Cornack and BIA President Mike Dabbs to discuss why Michigan auto no-fault is superior to other coverages.

The Need for Transparency by MCCA in the Auto No-Fault Debate

John Prosser and CPAN legal council George Sinas discuss the need for MCCA data (transparency) during the second segment of a two-part series hosted by Mitch Albom.  

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.

Lively Town Hall Discussion Uncovers the Issues around MI Auto-No Fault Reform

Larry Ruehlen, Staff Writer for reports on the continued debate over Michigan's Auto-No Fault reform in this article, "No Fault Insurance Debate Rages On".  His story, which effectively illuminates both sides of the argument, centered on a panel discussion that was held at Greater Grace Temple in Detroit and was organized by state Rep. Phil Cavanagh, D-Redford Township.  The discussion lasted over 2 hours.

The article quoted Melvin “Butch” Hollowell, NAACP general counsel, as saying, “It’s not like accidents won’t still happen,” he said. “They will, but once the $1 million cap is reached and the victim is broke, the costs will be switched over to the Medicare system.”

Click "more" to access a PDF download of the entire article.


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.

MI Auto Law Picks the 7 Worst Auto Insurance Companies

A firm of insurance lawyers share this infographic based on experiences with various insurance companies. Here's the list of what they think people should stay away from.

Mitch Albom Supports Michigan Auto No-Fault

Mitch Albom thanks Health Partners, CPAN, and the BIA for their continued efforts in saving Michigan's comprehensive auto no-fault model.

"Insurance Oversight: Policy Implications for U.S. Consumers, Business, and Jobs"

Birny Birnbaum testifies in front of the Committee on Financial Services in the U.S. House of Representatives on the general lack of oversight in the insurance industry.

Consumer Protection in the United States: A 50 State Report

Michigan is among the worst states for consumer protection in many categories, including "states that immunize all or most insurers."

Auto No Fault Reform: What are They Hiding?

CPAN seeks transparency and full disclosure of the facts surrounding Michigan auto no-fault reform.
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