For too long, no one has held Michigan’s auto insurance companies accountable. They’ve been free to discriminate against consumers based on gender, job title and ZIP Code. Who has been there to protect residents from greedy insurance company CEOs, who care far more about their profits than people?

Meanwhile, polling shows that Michigan residents support keeping in place the medical and lost-wage protections provided by the state’s auto no-fault insurance system.

We need a fair and affordable no-fault reform package that will lower rates while guarding benefits for all Michigan drivers and families.

Fair and Affordable reform means:

 

Fair and Affordable reform means:


 
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Strengthening Insurance Company Oversight
Michigan is currently a "file and use" state, which means insurance companies can set rates with little oversight. Moving to a "prior approval" approach would better protect consumers.

 

 
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Bringing Fairness to Insurance Rates
Michigan should prohibit insurance companies from using non-driving rating factors (including credit score, gender, occupation, and education level) to determine your auto insurance rates..

 

 
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Increasing Transparency
Michigan should make auto insurance rates more transparent by requiring that the Michigan Catastrophic Claims Association, the secretive group run by insurance company CEOs which charges all Michigan drivers $192 per vehicle, make its ratemaking data public.

 

 
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Cracking Down on Fraud Throughout the System
Michigan should create a Fraud Prevention Authority to crack down on insurance companies who knowingly deny legitimate claims, and to stop anyone from getting away with fraudulent claims.

 

 
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Reducing Lawsuits
Michigan should reduce unnecessary litigation by extending the "one-year-back rule," giving people more time to resolve payment disputes with their auto insurance companies.

 

 
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Lowering Health Care Prices for Accident Victims
Michigan should enact a reasonable fee schedule that reduces costs for everyone in the system, and adopt hourly rate schedules for family-provided attendant care that are reasonably related to the nature and extent of the patient’s disability and needs, preserving attendant care for patients requiring 24/7 care.

 

 
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Protecting Accident Victims’ Rights to Care

Michigan should establish fair standards and qualifications for physicians who provide Independent Medical Examinations on behalf of insurance companies.