No-Fault Automobile Insurance Archive

  • R Street Institute: Reforming Michigan’s Auto Insurance Market

    R Street Institute: Reforming Michigan’s Auto Insurance Market

    by R.J. Lehmann Michigan’s unaffordably high auto insurance premiums result in large part from its unique requirement granting all policyholders unlimited lifetime medical benefits. Higher rates of medical utilization and significantly higher reimbursements for common medical claims than those paid by Medicare or private workers compensation insurers show how pervasive the problem has become. Allowing […]

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  • OUR VIEWS: State needs to rethink insurance

    OUR VIEWS: State needs to rethink insurance

    Grand Haven Tribune Michigan’s auto insurance rates are 50 percent higher than those in surrounding states. And now there’s been another 20 percent spike in rates. At what point is it time to cry “Uncle!”? For years, Michigan residents have had to pay into an outlandish insurance system that’s dictated by state law. Why is […]

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  • Unlimited medical benefits are driving up the cost of auto insurance

    Unlimited medical benefits are driving up the cost of auto insurance

    Michigan rolling towards no-fault reform The Detroit News By Maria Servold When Sam Howell was 18 years old, he was in a major car accident that nearly killed him, put him in a coma for three months and now requires him to have 24-hour care. Instead of having to live the rest of his life […]

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  • Report: Michigan has highest car insurance costs in nation

    Report: Michigan has highest car insurance costs in nation

    By Melissa Anders | manders@mlive.com Michiganders pay a larger portion of their salaries on car insurance than residents of any other state, according to a study released today by CarInsuranceQuotes.com. “Middle-of-the-road” policy holders from Michigan spend about 8 percent of their median household income for car insurance, the report found. The next highest state is […]

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  • Secrecy doesn’t figure into Michigan’s catastrophic insurance fee

    Secrecy doesn’t figure into Michigan’s catastrophic insurance fee

    Detroit Free Press In response to the column by state Rep. Philip Cavanagh (“End insurance fund secrecy,” April 19): The entire premise of Cavanagh’s commentary is false. The Michigan Catastrophic Claims Association is not operated secretively. The state’s commissioner of the Office of Financial and Insurance Regulation serves as a nonvoting board member to the […]

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  • Guest column: Michigan’s no-fault auto insurance system still needs reform

    Guest column: Michigan’s no-fault auto insurance system still needs reform

    Jackson Citizen Patriot By Pete Kuhnmuench A recent announcement that the Michigan Catastrophic Claims Association’s assessment for catastrophic auto accident injuries will rise 21 percent on July 1 validates concerns by the insurance industry that the state’s no-fault auto insurance system needs reform. Michigan’s is the only state in the country that mandates that every […]

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  • No-Fault Automobile Insurance

    No-Fault Automobile Insurance

    DISCUSSION Michigan is a no-fault state. This means that a person’s own insurance company pays for medical expenses and wage loss that result from injuries sustained in an auto accident, regardless of who is at fault – you don’t sue the other guy to recover. No-fault is designed to eliminate the delays and costs that […]

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