Medical Coverage is Not Causing High Auto Insurance Premiums in Michigan

Press Release posted on September 8, 2017 by John Prosser II
A downloadable inforgraphic explains that medical coverage is not the cause of higher insurance premiums in Michigan.

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.

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

Audio File posted on October 29, 2015 by John Prosser II

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

YouTube Video posted on March 10, 2014 by John Prosser II
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.

Inside Macomb - Guest Host: John Prosser II, Health Partners

YouTube Video posted on January 24, 2014 by John Prosser II
Featuring Mark O'Halla, President and CEO, Mt. Clemens Regional Medical Center John Cornack, President, Eisenhower Center, President of the Coalition Protecting Auto No-Fault (CPAN)

John Prosser II Radio Appearance on what No-Fault Insurance Means to The People

YouTube Video posted on January 24, 2014 by John Prosser II
Featuring John Prosser, Vice President Health Partners Inc.

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

Press Release posted on August 27, 2013 by John Prosser II
Larry Ruehlen, Staff Writer for HomeTownLife.com 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: Helping Michigan Residents Speak Out

Press Release posted on May 28, 2013 by John Prosser II

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.

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

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

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.

An Analysis of Michigan Auto Insurance Profitability and the Role of the Michigan Catastrophic Claims Association

Press Release posted on March 19, 2013 by John Prosser II
Birny Birnbaum submits his argument that available data indicate that the Michigan no-fault system delivers comprehensive benefits in an efficient manner.

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.

Birny Birnbaum's Supplemental Analysis

Press Release posted on March 19, 2013 by John Prosser II
Birny Birnbaum, former chief economist at the Texas Department of Insurance, issues his supplemental analysis of MCCA.

Brain Injury Association Joins New Suit to Get Data that Helps Michigan Catastrophic Claims Association Set Rates

Press Release posted on March 19, 2013 by John Prosser II
Chad Halcom of Crain's Detroit Business discusses the Brain Injury Association joined CPAN in suing the MCCA.

Brain-Injured in Nursing Homes Without Care Giffords Had

Press Release posted on March 19, 2013 by John Prosser II
David Armstrong describes the unfortunate circumstance for many brain injury victims who don't have access to the Michigan no-fault model in his latest article in Bloomberg.

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.

Consumer Protection in the United States: A 50 State Report

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

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

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 Analysis of MCCA Finances

Press Release posted on March 19, 2013 by John Prosser II
CPAN issues a summary of the findings of Birny Birnbaum, former chief economist at the Texas Department of Insurance.

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

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."

Florida's No-Fault Faux Fix?

Press Release posted on March 19, 2013 by John Prosser II
Christopher Tidball explains that Florida no-fault reforms might not have the premium lowering power they were sold on.

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 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.

Jay Angoff Reports on the MCCA and High Auto Insurance Policy Costs

Press Release posted on March 19, 2013 by John Prosser II
This comprehensive report suggests that Michigan auto premiums are not high because of the benefits of no-fault, but rather the degregulation of the insurance industry and record profits by insurance companies.

John Prosser II is One of Many Who Testify in Front of the House Insurance Committee

Press Release posted on March 19, 2013 by John Prosser II
A long list of opponents provided testimony against House Bill 4936 on 10/04/11.

John Prosser II Letter to Florida Governor Rick Scott

Press Release posted on March 19, 2013 by John Prosser II
John Prosser II requests that Governor Rick Scott of Florida look into adopting Michigan's unique no-fault insurance model.

John Prosser II Receives Letter of Interest in Michigan No-Fault from Florida (3/11)

Press Release posted on March 19, 2013 by John Prosser II
Thom DeLilla, Bureau Chief of the Brain and Spinal Cord Injury Program in Florida, expresses his desire to explore Michigan's model for the care of catastrophic injury.

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.

Letter From the Father of a TBI Survivor in Florida

Press Release posted on March 19, 2013 by John Prosser II
Erick Collazo urges Michigan to avoid no-fault reforms that would "destroy the Model which is our National standard."

Letter to the Editors of the Wall Street Journal

Press Release posted on March 19, 2013 by John Prosser II
John Prosser II encourages the Wall Street Journal to endorse the Michigan no-fault model.

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.

MCCA: Trust Fund or Slush Fund?

Press Release posted on March 19, 2013 by John Prosser II
What proactive steps has the MCCA taken to stop the "impending collapse" of the fund?

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.

Michigan Traffic Crash Decade-At-A-Glance

Press Release posted on March 19, 2013 by John Prosser II
The Michigan State Police provide statistics about traffic crashes over the last decade. Injury crash rates are down significantly.

Michigan Traffic Crash Facts: County Profiles

Press Release posted on March 19, 2013 by John Prosser II
2011 Office of Highway Safety Planning Report

Mitch Albom PSA Background Information

Press Release posted on March 19, 2013 by John Prosser II
This document was sent around with the Mitch Albom PSA to better elaborate on the basics of proposed no-fault "reforms."

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.

Passion for Compassion Letter

Press Release posted on March 19, 2013 by John Prosser II
John Prosser II writes an open letter as the President of the NeuroTrauma Association of Florida asking others to consider adopting Michigan's auto no-fault model.

Pending Lawsuits Against The Michigan Catastrophic Claims Association (MCCA)

Press Release posted on March 19, 2013 by John Prosser II
The Coalition Protecting Auto No-Fault and the Brain Injury Association of Michigan have each filed a lawsuit against the Michigan Catastrophic Claims Association.

Quick Facts: MI Liability Premium (Incl. PIP) is only 5% More than National Average

Press Release posted on March 19, 2013 by John Prosser II
Michigan drivers get the best auto injury coverage in the nation for only 5% more than the national average.

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.

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.

State Rep Presses for MCCA Data, Transparency

Press Release posted on March 19, 2013 by John Prosser II
Rep. Phil Cavanagh asks for the data to justify claims of MCCA unsustainability.

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.

Survey: Michigan Voters Want MCCA Transparency, Support State's No-Fault System

Press Release posted on March 19, 2013 by John Prosser II
A survey of Michigan citizens shows support for the extensive benefits available under Michigan's unique auto no-fault law. Citizens would like to see the financial records and rate-setting data prior to changing the system.

Ten Year Trends: Crash Rates Declining

Press Release posted on March 19, 2013 by John Prosser II
2011 Michigan traffic crash facts as provided by the Office of Highway Safety Planning.

The Big Picture: Traffic Crashes

Press Release posted on March 19, 2013 by John Prosser II
2011 Michigan traffic crash facts as provided by the Office of Highway Safety Planning.

The MCCA: Does It Offer a Way to Achieve Affordable Health Insurance Coverage For All?

Press Release posted on March 19, 2013 by John Prosser II
This whitepaper argues that the MCCA should be a model for health insurance in Michigan, given it's ability to consistently pay out claims while building up reserves.

Traumatic Brain Injuries by County

Press Release posted on March 19, 2013 by John Prosser II
Approximately 3,214 Michigan citizens are hospitalized each year for auto-related Traumatic Brain Injury.

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.

What is the MCCA Trying to Hide?

Press Release posted on March 19, 2013 by John Prosser II
There have been many claims of MCCA unsustainability, but available data suggests otherwise.

Why Other States Should Adopt Michigan Auto No-Fault

Press Release posted on March 19, 2013 by John Prosser II
5 quick points on how Michigan's no-fault model serves more than just the catastrophically injured.

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.