No-Fault insurance reform has failed miserably since it was first enacted in Michigan on October 1st, 1973. It has not lived up to the promise of reduce insurance premiums or in reducing courtroom tort litigation. By repealing and replacing the Michigan No-Fault Law and dissolving the Michigan Catastrophic Claims Administration (MCCA), insurance rate will drop considerably for everyone in the state.
It is estimated that approx. a third of the driving population in Michigan are driving with out insurance due to the high cost, which raises premiums for every driver.
Michigan has the highest auto insurance rates in the country, yet Michigan drivers rank 44th out of 51 (DC included) for driver safety according to data from the National Highway Traffic Safety Administration. Ohio is has one of the lowest auto insurance costs per driver in the country and ranks 45th in driver safety according to the same data.
Only 12 states require personal injury protection (PIP). Michigan's PIP coverage requirement allows for unlimited medical coverage, while Florida has a maximum of $10,000. Florida ranks 28th on the list of driver safety.
Michigan is unique among all no-fault states, in that, its no-fault law offers unlimited medical care under its PIP coverage and in that it does not use medical fee schedules (maximum fees that can be charged for common types of medical treatment for auto accidents, similar to the fees set under the state’s workers compensation system).
Each vehicle in Michigan is charged $186 per year to the Michigan Catastrophic Claims Administration (MCCA).
The MCCA is a private, nonprofit a-sociation created by the legislature in 1978 that reimburses auto insurers for personal injury protection benefits after they exceed $500,000 per claim. Claims up to $499,999 are covered by Michigan's PIP coverage.
In Michigan, unlimited MCCA benefits that has driven up costs to what many consider are unsustainable levels. Michigan’s benefits are unlimited and New York's benefit ranks second, with cap of $50,000
Several U.S. states have experimented with and repealed their no-fault laws. Twenty-four states originally enacted no-fault laws in some form between 1970 and 1975. Currently, only 12 states continue to operate the no fault system.
In 2012, RAND Corporation published a study which found that costs were higher in no-fault systems. In the case of economic (medical and wage-loss) damages, most no-fault systems permit injured parties to seek recovery only for damages that are not covered by available first-party insurance benefits. In the case of non-economic (pain-and-suffering) damages, most no-fault systems permit injured parties to seek compensation only in cases of exceptionally "serious" injury.
The Michigan State government has allowed the MCCA (comprised of the States 5 largest insurers and only 1 government agency to set the annual fee for the
Michigan auto insurance companies will raise rates based on the MCCA a-sessment increase they approved. Although the MCCA a-sessments are technically charged to Michigan auto insurance companies, it is the Michigan auto-insurance-buying public who gets stuck with the tab, not the insurance companies.
The high cost of auto insurance is a significant burden on Michigan drivers. By reforming auto insurance, we can greatly decrease the overall cost of insurance, get more drivers to purchase insurance, and pay insurance rates that match our actual driving records. Please sign this petition and help the people of Michigan repeal and replace the Michigan No-Fault Insurance law. REGISTERED MICHIGAN VOTERS ONLY PLEASE.
I'm starting this petition to create an extension for those facing surgery and relying on wage lose through auto insurance. Currently we are experiencing a pandemic Covid 19. The surgeon general has suggested a halt to all elective surgeries. At least eight weeks from my understanding. In the state of Michigan you have only three years for wage lose reimbursement. For myself that ends June 26th 2020. Orginally I was scheduled to have surgery on February 2nd 2020. I would have been well on the road to recovery. Unfortunately my auto insurance denied my surgery last minute. I also lost my surgeon as a result their meddling. I have not been able to find a replacement. Nor are doctors taking appointments for healthy patients such as myself right now. For me that means I may not be able to afford to have surgery and be off the needed time for healing. It is the only possibility I have to be pain free and have a possible return to my previous life. Before my accident. This will be my second surgery. I am asking that Michigan auto insurers extends the lost wage reimbursement for a minimum of 6 months for anyone affected by this current halt of elective surgeries. I know I'm not the only one affected.
Michigan, citizens I stand before you with a serious ongoing issue in our State. The problem is the cost of Michigan’s insurance premiums. Simply stated they are not affordable for the average Michigan residence. We complain, yet passively we accept this. Let’s not accept things in which we feel are unfair. Driving is our privilege. We as citizens labor hard and long to acquire our money. Why should a substantial amount of our check go to auto insurance? At the current moment, auto insurance prices feel like a monopoly. Currently, If we decide not to purchase high-costing insurance and decide to drive our vehicles, we are breaking the law. That means we are becoming criminals in eyes of law enforcement because of our inability or refusal to purchase high costing policies. We need an alternative. We need a state-based Insurance Company with Affordable rates. Rates that the average Michigan citizen can afford. Because of our need, I’ve proposed a Michigan based auto insurance company. This Michigan based auto insurance company would provide affordability and allow more people to drive within the law. The Michigan insurance company will allow a flat affordable rate to all who qualify, so for most individuals, the Michigan based auto insurance company is beyond beneficial.
People, if you believe as I do, that Michigan needs a change, simply sign the petition to support this cause. We live in the state, home to Automotive legend, Henry Ford! Henry Ford’s fame didn’t come from creating the first car; His fame came from producing the first cars affordable to the average earning citizen. His actions has allowed many, the privilege of driving. So now, let us keep his dream alive! let driving, again be affordable within the state of Michigan.
I. The perspective Michigan Auto Insurance Company would grant Michigan drivers both affordability and legality.
a. The Insurance policy would cost a flat monthly rate of $75.00 for No-fault minimal coverage and a flat rate of 175.00 for No-Fault Full Accident Coverage.
1. The price rate will be the same for both newer and older model vehicles.
2. The price rate will not be impacted by the points accumulated on a member’s driving record.
b. The act of breaking the law would decrease.
1. Fewer citizens in impoverished communities would lose their license due to not being able to afford insurance.
2. Fewer citizens would have criminalized, arrested, and jailed due to their inability to pay insurance.
II. To become an enrollee of the Michigan Insurance Company, prospective members would have to meet eligibility criteria.
a. To participate in the perspective Michigan based Auto Insurance policy the does not have to be 18 as long as he or she has a valid license.
b. All enrollees of the Affordable Michigan based Insurance Company must have a health screening every six months to determine if he/she has any prescription or physical or mental limitation that may affect the ability to drive.
c. Every perspective and an enrolled member must minimally meet one of the financial or educational qualifications to be in or maintain allowance into the Michigan Based Insurance Company.
1. A prospective member could qualify based on the income qualification criteria. The member may qualify based on their family size, in comparison to their total household resources or based on Michigan’s poverty identification criteria.
2. A prospective member could qualify based on the self Sufficiency qualification. The member may qualify based on the self-sufficiency criteria, meaning the member is currently in a government program such as section 8, food a-sistance, medical insurance, childcare allowance, or cash a-sistance. or if the member has previously been on any of the listed government programs within the last ten years.
3. A prospective member could qualify for enrollment based on hardship or disability. If a prospective member is currently receiving social security benefits due to a disability or supplemental security income, excluding survivor benefits that person is eligible for enrollment. Also, any person receiving temporary unemployment wages is automatically considered.
4. A prospective member could qualify for enrollment if that person’s occupation meets the approved list of community amplitude occupations. The approved occupations would be current or retired law enforcement personals, military personals, school teachers, counselors, firefighters, day care employees, builders, construction workers, “City of ” workers, all government employees, and any other profession not listed that is focused to improve its community.
III. To create the Michigan based Insurance Company, Michigan citizens must demonstrate their support of this proposed action, by signing the petition and by spreading the word of the new initiative.
In the State of Michigan, car Insurance is not affordable. Despite this fact, it is the law that every driver has Insurance Coverage. If a person is involved in an automobile accident or even pulled over without insurance coverage; that person has committed a crime. At minimal he or she will be convicted of a misdemeanor; more severely even imprisoned.
We, the citizens of Michigan, must sign the petition to devise a Michigan based Insurance Company with affordable premiums. Michigan’s Mayor Mike Duggan even believes the cost of automobile insurance in Michigan is too high and argues that “Michigan citizens are either paying the highest premiums in America or driving illegally” as stated by Oosting, in the Detroit News. Many initiatives have been made to lower insurance, such as attempted lawsuits, bills, and demands but currently, all attempts have proven ineffective, and in vain. Let us now take initiative in forming our own Michigan Based Auto Insurance Company with our own policies that will make having car insurance affordable.
Thank you for your time.
Sincerely, Asheirah Ase Shiloh
No-Fault insurance reform has failed miserably since it was first enacted in Michigan on October 1st, 1973. It has not lived up to the promise of reduce insurance premiums or in reducing courtroom tort litigation. By repealing and replacing the Michigan No-Fault Law and dissolving the Michigan Catastrophic Claims Administration (MCCA), insurance rate will drop considerably for everyone in the state.
It is estimated that approx. a third of the driving population in Michigan are driving with out insurance due to the high cost, which raises premiums for every driver.
Michigan has the highest auto insurance rates in the country, yet Michigan drivers rank 44th out of 51 (DC included) for driver safety according to data from the National Highway Traffic Safety Administration. Ohio is has one of the lowest auto insurance costs per driver in the country and ranks 45th in driver safety according to the same data.
Only 12 states require personal injury protection (PIP). Michigan's PIP coverage requirement allows for unlimited medical coverage, while Florida has a maximum of $10,000. Florida ranks 28th on the list of driver safety.
Michigan is unique among all no-fault states, in that, its no-fault law offers unlimited medical care under its PIP coverage and in that it does not use medical fee schedules (maximum fees that can be charged for common types of medical treatment for auto accidents, similar to the fees set under the state’s workers compensation system).
Each vehicle in Michigan is charged $186 per year to the Michigan Catastrophic Claims Administration (MCCA).
The MCCA is a private, nonprofit a-sociation created by the legislature in 1978 that reimburses auto insurers for personal injury protection benefits after they exceed $500,000 per claim. Claims up to $499,999 are covered by Michigan's PIP coverage.
In Michigan, unlimited MCCA benefits that has driven up costs to what many consider are unsustainable levels. Michigan’s benefits are unlimited and New York's benefit ranks second, with cap of $50,000
Several U.S. states have experimented with and repealed their no-fault laws. Twenty-four states originally enacted no-fault laws in some form between 1970 and 1975. Currently, only 12 states continue to operate the no fault system.
In 2012, RAND Corporation published a study which found that costs were higher in no-fault systems. In the case of economic (medical and wage-loss) damages, most no-fault systems permit injured parties to seek recovery only for damages that are not covered by available first-party insurance benefits. In the case of non-economic (pain-and-suffering) damages, most no-fault systems permit injured parties to seek compensation only in cases of exceptionally "serious" injury.
The Michigan State government has allowed the MCCA (comprised of the States 5 largest insurers and only 1 government agency to set the annual fee for the
Michigan auto insurance companies will raise rates based on the MCCA a-sessment increase they approved. Although the MCCA a-sessments are technically charged to Michigan auto insurance companies, it is the Michigan auto-insurance-buying public who gets stuck with the tab, not the insurance companies.
The high cost of auto insurance is a significant burden on Michigan drivers. By reforming auto insurance, we can greatly decrease the overall cost of insurance, get more drivers to purchase insurance, and pay insurance rates that match our actual driving records. Please sign this petition and help the people of Michigan repeal and replace the Michigan No-Fault Insurance law. REGISTERED MICHIGAN VOTERS ONLY PLEASE.
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