The Other Side

Why change Michigan's Auto No-Fault system of coverage?  Investigate the claims made by insurance companies and get a better undestanding of the oposition.

Head-to-Head Part 2: CPAN's Side of Auto No-Fault Reform

John Prosser II speaks on behalf of CPAN during an interview on The Tony Conley Morning Show. This piece is a follow up to a previous segment that that featured insurance lobbyist Pete Kuhnmuench. Prosser questions the insurance industry's justification for desiring no-fault reform, pointing out that the catastrophic claims fund has continued to increase despite claims of increasing costs.

Head-to-Head Part 1: The MCAA's Side of Auto No-Fault Reform

Mr. Pete Kuhnmuench, insurance lobbyist, is interviewed on the Tony Conley Morning Show. He believes that the no-fault system needs repair in order for the catastrophic claims fund to stay healthy.

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 

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.


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.

House Bill 4936 of 2011

House Bill 4936 of 2011 introduced the largest proposed changes to auto no-fault to date.

House Fiscal Agency: Summary of HB 4936

A legislative analysis of HB 4936 as prepared by the House Fiscal Agency.

House Bill 5588 of 2012

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

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.

Senate Bill 293 of 2011

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.

House Bill 5864 of 2012

House Bill 5864 of 2012, commonly referred to as "the threshold bill"

House Fiscal Agency: Summary of HB 5891

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.

Michigan House Bill 4936 -- Is It Genocide?

Michelle Shafer RN, BA, CBIS discusses the significant impact HB 4936 would have on catastrophically injured accident victims.
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