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Michigan No Fault is the ‘BEST’ auto insurance system in the country… just ask Pete Kuhnmuench and the Insurance Institute of Michigan

When it comes to praising Michigan’s No Fault auto insurance system, few have done so as enthusiastically and consistently as the Insurance Institute of Michigan and its Executive Director Pete Kuhnmuench.

Here’s what they have had to say:

“We save [under Michigan’s No Fault auto insurance system] because we don’t have to sue for benefits because you are self-insured and you collect from your own insurer, and it’s a good system fundamentally.” (Peter Kuhnmuench, Executive Director of the Insurance Institute of Michigan, quoted in WILX.com story by Brian Johnson, “Governor Working to Fix High Car Insurance Rates,” 1/25/2013)

Michigan’s No Fault Law is “a pretty good system, if you compare to other states …” (Insurance Institute of Michigan Executive Director Peter Kuhnmuench, as quoted by MLive writer David Muller in “Insurance industry reps: Detroit auto premiums high because of crime, state coverage limits,” July 30, 2012)

Auto insurance prices in Michigan are reasonable — especially considering the high level of benefits provided to consumers…” (Insurance Institute of Michigan, 2012 IIM Fact Book, Page 20)

“The cost of Michigan’s [No Fault] auto insurance system is reasonable — considering that Michigan has the highest level of auto insurance medical benefits in the country.” (Insurance Institute of Michigan, IIM web site, Consumers — Auto Insurance (10/25/2011))

“‘Michigan is fortunate to have a healthy auto insurance market where competition, safer cars and company fraud fighting efforts have resulted in lower costs for policyholders.’” (Insurance Institute of Michigan, “National Study Shows Average Auto Insurance Premiums in Michigan Falling,” December 21, 2010, Press Release, quoting IIM Executive Director Pete Kuhnmuench (press release no longer appears on the IIM web site))

“‘The overall rate decreases demonstrate that insurance companies are keeping costs as low as possible even though Michigan [No Fault] policyholders have the Cadillac of auto insurance policies.’” (Insurance Institute of Michigan, “National Study Shows Average Auto Insurance Premiums in Michigan Falling,” December 21, 2010, Press Release, quoting IIM Executive Director Pete Kuhnmuench (press release no longer appears on the IIM web site))

Michigan’s No Fault Law guarantees Michigan drivers “‘the best auto insurance coverage in the country. …Motorists in this state are getting a bang for their buck when it comes to protecting themselves in the case of a traffic crash.‘” (Insurance Institute of Michigan, “Michigan Average Auto Insurance Premiums Drop,” December 2, 2009, Press Release, quoting IIM Executive Director Pete Kuhnmuench)

“Michigan is generally recognized as having the most efficient and effective auto insurance law in the United States.” (Insurance Institute of Michigan, 2010 IIM Fact Book, Page 19)

“‘Michigan is fortunate to have a healthy auto insurance market where competition, safer cars and company fraud fighting efforts have resulted in lower costs for policyholders. … The overall rate decreases demonstrate that insurance companies are keeping costs as low as possible even though Michigan policyholders have the Cadillac of auto insurance policies.’” (Insurance Institute of Michigan, “National Study Shows Average Auto Insurance Premiums in Michigan Falling,” November 15, 2008, Press Release, quoting IIM Executive Director Pete Kuhnmuench)

Michigan’s No Fault Law guarantees Michigan drivers “the best no-fault medical benefits of any state. … ‘The good news is there are hundreds of companies offering auto … insurance in Michigan … The competitive market, along with less frequency of claims, has resulted in savings for policyholders.’” (Insurance Institute of Michigan, “Auto … Insurance Rates Decrease in 2007,” February 7, 2008, Press Release, quoting IIM Executive Director Pete Kuhnmuench)

Michigan is generally recognized as having the most efficient and effective auto insurance law in the United States. Michigan’s no-fault law require insurance companies to provide unlimited, lifetime medical benefits to those injured in auto accidents. No other state in the country requires such generous auto insurance benefits. Michigan’s no-fault law … was created by the State Legislature to … assure that persons injured in auto accidents are compensated … quickly and equitably … for medical costs and lost income … The no-fault concept has worked well. Accident victims are promptly compensated for their losses. They receive unlimited medical benefits and substantial wage loss benefits on a ‘no-fault’ basis. Severely injured people no longer have to bear devastating financial burdens while waiting for lawsuits to be settled.” (Insurance Institute of Michigan, “No Fault: An overview of Michigan’s unique auto insurance law,” brochure (emphasis in original)(no longer accessible on the IIM web site))

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