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Tag Archives: HB 4612

How do 3 different Michigan No Fault Insurance Reform plans compare?

Chart shows similarities and key differences between the “reform” plans backed by Gov. Snyder, House Speaker Bolger and Sen. Pappageorge

no-fault-comparison-hb-4612-bolger-sb-818

This past month, Michigan’s No Fault insurance laws were in the cross hairs, with plans introduced to drastically change parts of it introduced by House Speaker Jase Bolger and Sen. John Pappageorge. I’ve put together an informative chart that compares the similarities and big differences between the different proposals (including the earlier plan strongly backed by Gov. Rick Snyder and Rep. Pete Lund).

The plans I compared include:

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HB 4612: A “Dollars & Cents Plan for Lining the Pockets of Auto Insurance Industry Fat Cats”

Already bursting profit margins for Michigan’s insurance companies will be the biggest winner of No Fault “reform”

auto insurance industry fat cats

Michigan’s already “highly profitable” auto insurance industry will get a whole lot  richer and more profitable if their plan to dismantle Michigan’s No Fault laws – being pushed by the insurance industry as their plan for No Fault “reform” – becomes law.

And the auto insurance industry is out aggressively trying to sell its plan, hoping to dupe the public into believing that what it’s calling No Fault reform is in the public’s best interests. The most brazen example of this is the  insurance industry’s mass mailings to hundreds of thousands of drivers earlier this summer.

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Did Rep. Pete Lund intentionally mislead Ruth to the Rescue, Channel 4 viewers on No Fault Reform?

What’s the real story on “savings” from Rep. Pete Lund’s No Fault “reform” plan House Bill 4612?

Rep. Pete Lund

Rep. Pete Lund

The public deserves to know the straight story about how much, if any, they will save on auto insurance expenses if Rep. Pete Lund’s (R-36th) plan for “reforming” or dismantling Michigan’s No Fault auto insurance system becomes law.

Unfortunately, as with so many of the statements made in support of Rep. Lund’s House Bill 4612, Rep. Lund’s recent comments to a TV station make it even harder for the public to know whom or what to believe.

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Is Gov. Snyder’s plan for auto insurance reform dead?

HB 4612, which would take away critical medical care for auto accident victims, is met with fierce resistance

Is Michigan No Fault reform HB 4612 dead due to greedy insurance industry

No Fault “reform” House Bill 4612 is a good example of the saying “pigs get fat, hogs get slaughtered” in action. HB 4612 was the most extreme insurance industry wish-list to date.  The insurance companies threw moderation to the wind, and tried to make a power play to grab as much as they can while the Republicans, who currently hold all three branches of government in Michigan, are in power.

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No Fault “reform” bill HB 4612: Great for the insurance companies, terrible for you

My column this month in Attorney At Law magazine

HB 4612 insurance company wishlist

I write a monthly column for lawyers. Most of my advice columns in Attorney at Law Magazine are for other Michigan lawyers, and include tips and strategies for car accident and truck accident cases. But this month I chose to write about the new No Fault “reform” bill House Bill 4612, frankly because almost no one fully understands just how terrible this would be for accident victims and drivers.

Here’s my column:

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Michigan House panel votes to end unlimited medical benefits for auto accident victims

Michigan House Insurance Committee approves HB 4612

On Thursday, the Republican-controlled House Insurance Committee approved HB 4612, which would make sweeping changes to Michigan’s No Fault law and specifically, it’s currently unlimited, lifetime medical benefits for auto accident victims.

The committee approved capping No Fault medical benefits at $1 million and $250,000 for injured motorcyclists.

The committee also passed four amendments to HB 4612. All five amendments passed, making the following changes to the bill:

  • Removed the $50,000 cap on vehicle and home modifications.
  • Removed the 7 year limit on home modifications.
  • Removed the 16 hour limit on home care by agencies.
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Consumers may pay MORE for No Fault insurance under HB 4612

HB 4612 is “the most extreme wish list the insurance industry could come up with”

HB 4612 Michigan No Fault reform

Hidden fees and assessments in Gov. Rick Snyder’s Michigan No Fault “reform” proposal could cancel out promised savings and may end up causing auto insurance consumers to pay MORE for their No Fault policies.

At his press conference last week, Gov. Snyder promised that, under his proposal for reforming Michigan’s No Fault auto insurance system, auto insurance consumers would save $125 per vehicle in “year one.”

But what he neglected to mention is how his proposal, House Bill 4612, also imposes new and possibly even greater costs on consumers buying auto insurance in “year one” and beyond.

Posted in BLOG, Michigan Car Accidents, Michigan No Fault Benefits, Michigan No Fault Insurance, Michigan No Fault Law | Tagged , , | 2 Comments