Understanding House Bill 4752: What you Need to Know Now

Audio File posted on October 30, 2015
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.

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

Audio File posted on October 29, 2015

Mitch Albom: No Fault Bill Should Make People Very Suspicious

Audio File posted on 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.

John G. Prosser II Endorsed

Press Release posted on November 11, 2014
John G. Prosser II is endorsed by WJR's Mitch Albom Show as expert on the subject of Michigan Auto No-Fault insurance.

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

Audio File posted on June 10, 2014

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

YouTube Video posted on March 10, 2014
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.

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

Audio File posted on March 10, 2014
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."

Tri-county Execs Against Proposed No-Fault Insurance Law Changes - Fox 2 News Headlines

Press Release posted on March 5, 2014

How Michigan's Auto No-Fault coverage works and why it was created.

YouTube Video posted on January 24, 2014
John Prosser II is interviewed by Michael Patrick Shiels on Michigan's Morning Show

Inside Macomb, Hosted by Ted Wahby, Macomb Co. Treasurer.

YouTube Video posted on January 24, 2014
Featuring John Prosser, Vice President, Health Providers Inc. and Damon Sorensen, VP, CFO, Mt. Clemens Regional Medical Center

Michigan Auto No-Fault Reform Debate is Discussed on Michigan's Big Show Radio Program

YouTube Video posted on January 24, 2014
John Prosser II of Health Partners Inc. and Dr. Owen Pearlman discuss the implications of insurance reform.

Michigan Auto No-Fault Reform Debate is Discussed on Michigan's Big Show Radio Program

YouTube Video posted on January 24, 2014
Laura Appel, VP of Federal Policy & Advocacy for MI Health and Hospital Association joins John Prosser II of Health Partners Inc. and Dr. Owen Pearlman in a discussion about the implications of insurance reform.

Michigan Auto No-Fault Reform Debate is Discussed on Michigan's Big Show Radio Program

YouTube Video posted on January 24, 2014
Featuring Dr. Owen Pearlman of Trinity Health Associates and John Cornack, President of the Coalition Protecting Auto No-Fault.

Michigan Auto No-Fault Reform Debate is Discussed on Michigan's Big Show Radio Program

YouTube Video posted on January 24, 2014
Michael Harris, Executive Director of the Paralyzed Veterans of Michigan shares his personal story. John Prosser II of Health Partners, Inc. is also featured.

Michigan's Big Show Radio Program Hosted by: Michael Patrick Shiels

YouTube Video posted on January 24, 2014
Featuring: John Prosser, Vice President, Health Providers Inc. George Sinas, MSU Law Professor Fred Nader, Co-Owner, Walk the Line Rehabilitation

Mitch Albom Endorses MI Auto No-Fault Law

YouTube Video posted on January 24, 2014
Mitch Albom endorses Michigan's Auto No-Fault Policy

Head-to-Head: The MCAA and CPAN's Sides of Auto No-Fault Reform

Audio File posted on November 22, 2013
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.

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

Audio File posted on October 21, 2013
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.  


Why MI Auto No-Fault is Superior to Other Coverages

Audio File posted on October 21, 2013
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.

FOIA Request Filed: MCCA Requested to Share it's Methods and Calculations

Press Release posted on June 10, 2013
The Coalition Protecting Auto No-Fault (CPAN)files a formal FOIA request against the Michigan Catastrophic Claims Association (MCCA).

CPAN: Helping Michigan Residents Speak Out

Press Release posted on May 28, 2013

MI Auto Law Picks the 7 Worst Auto Insurance Companies

Press Release posted on May 28, 2013
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.

Auto Insurers' Coordinated Benefits Policies Under Fire

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

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

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

CPAN Analysis of MCCA Finances

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

CPAN Sample Letters for Editors

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

Florida's No-Fault Faux Fix?

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

House Bill 6080 of 2012

Press Release posted on March 19, 2013
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
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
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
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
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.

John Prosser II Letter to Florida Governor Rick Scott

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

Judge Clinton Canady III Hears CPAN/BIA v MCCA

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

Letter to the Editors of the Wall Street Journal

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

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

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

Mitch Albom PSA Background Information

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

Report: No Fault Changes Would Trim Rates but Cost Jobs

Press Release posted on March 19, 2013
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
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
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
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
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
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
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
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
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.

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

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

Mitch Albom Supports Michigan Auto No-Fault (video needs to be re-encoded)

Local Video posted on March 19, 2013
Mitch Albom thanks Health Partners, CPAN, and the BIA for their continued efforts in saving Michigan's comprehensive auto no-fault model.

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

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