Audio File posted on June 10, 2014

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.

The new legislation also seeks transparency from the MCCA, Insurance Companies and provides more consumer protection against insurance companies who make it hard to collect benefits under their contract.

John Prosser, who joined the show to comment on the bill package, emphasized the need to protect health care coverage by sharing the following statistics from a Harvard study:

  • Each day, 800 Americans have a brain injury in an auto accident.
  • 60% of all bankruptcies in America are due to medical expenses.
  • Costs associated with catastrophic injuries represent the top 10% of those costs.
  • 75% of the people who claim bankruptcy each year health insurance.

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