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Consumers Guide

The Auto Insurance Consumers’ Guide To Michigan No Fault Reform & House Bill 4612

By Attorney Steven M. Gursten, Managing Partner, Michigan Auto Law


  1. Introduction
  2. Raw Deal
  3. Michigan No Fault is far from broken and unsustainable
  4. Michigan No Fault is the ‘best’ auto insurance system in the country … Just ask Pete Kuhnmuench and the Insurance Institute of Michigan
  5. Claims about ‘skyrocketing’ auto insurance rates in Michigan are misleading and false
  6. No Fault reform is based on the faulty premise that No Fault medical benefit costs are driving auto insurance rates
  7. Saving $150 for one year does not make Michigan auto insurance affordable
  8. Consumers may pay more for auto insurance because of No Fault reform’s new fees and assessments
  9. No Fault reform will increase consumers’ health insurance costs
  10. No Fault reform will increase taxpayers’ Medicaid and Medicare burdens
  11. Reform will generate lawsuits for ‘excess’ medical benefits
  12. Proposals to make Michigan auto insurance affordable
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