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No-Fault Reform

Michigan No-Fault Insurance Reform: What You Need To Know

The Michigan No-Fault insurance reform debate is a perennially important, controversial and complex topic.

That has never been more true than this year – 2019 – when a new No-Fault auto insurance law brought about sweeping, fundamental changes that will affect every driver in Michigan.

The new Michigan No-Fault law – about which we provide a great deal of information below – addressed such issues as coverage levels for No-Fault PIP medical benefits, allowing drivers on Medicare to opt-out of No-Fault medical coverage altogether, savings for drivers, fee schedules for doctors, rules for independent medical examinations, eliminating non-driving factors such as sex, marital status and homeownership, the mini tort and higher minimum liability limits.

Our attorneys want to provide you with all of the information you need to understand the vital rights that are at stake under the new No-Fault law and any future proposed Michigan No-Fault reform efforts, and how such changes – when and if enacted – would affect you and your families on the roads.

To stay informed about the most recent Michigan No-Fault insurance reform proposals and changes – and what they mean for you – please be sure to follow us on our Michigan Auto Lawyers Blog.

Michigan No-Fault Insurance Reform: Legislature Updates

During the current 2019-2020 legislative session in the Michigan Legislature, the most significant, most attention-grabbing, and most historic Michigan No-Fault reform proposals – so far – were those in Senate Bill 1 and House Bill 4397.

Both were signed into law by Gov. Gretchen Whitmer and are now officially known as Public Act 21 of 2019 and Public Act 22 of 2019, respectively, with an effective date of June 11, 2019.

Below I discuss – and I link to discussions about – the most important aspects of the new No-Fault law that drivers, car crash victims and consumers need to know about.

As new Michigan No-Fault reform proposals are introduced in the Michigan Legislature, I will be following them and analyzing them on my Michigan Auto Lawyers blog. I will also be updating this page.

Managed Care Option And Your Michigan Auto Insurance Policy: What You Need To Know

The new Michigan No-Fault law now includes a managed care option for consumers looking to buy or renew their Michigan auto insurance policy and driver should steer clear.

Car Accidents With Pedestrians: How The New Michigan No-Fault Law Affects Them

Michigan’s new No-Fault auto insurance law affects car accidents with pedestrians in a very specific way.

Motorcycle Insurance in Michigan Under New No-Fault Law

Learn how motorcyclists’ insurance coverage rights are affected by the new No-Fault law.

Is it illegal to use out of state car insurance coverage in Michigan?

What do out-of-state drivers who are driving in Michigan need to know about their rights – and obligations – under the new No-Fault law?

Savings From Car Insurance Bill Signed Into New Law Debunked

Our attorneys do a deep dive into whether Michigan drivers can expect to see real savings on their car insurance under the new No-Fault law.

How is attendant care affected by the new Michigan car insurance law?

The new No-Fault law imposes specific hourly limitations on in-home, family-provided attendant care.

New Michigan No-Fault Law Passes: What You Need To Know

The new Michigan No-Fault bill passed today and now the debate over whether and how to reform the 45-year-old law is over. Here is what you need to know.

Michigan Mini Tort Law Change: What You Need To Know

Find out how the new No-Fault law changes drivers’ ability to pay to repair their vehicle damage.

Michigan No-Fault Insurance Reform Deal Announced by Gov. Whitmer

Gov. Whitmer has announced that a deal has been reached on Michigan No-Fault insurance reform. Get her statement and more.

Will Gov. Gretchen Whitmer veto No-Fault reform bills?

Significantly, on May 7th, MLive quoted Gov. Gretchen Whitmer as saying that “If this bill [Senate Bill 1] comes to my desk, I will veto it.” And on May 9th, the Detroit Free Press reported that Gov. Gretchen Whitmer wasn’t “interesting in signing” either SB 1 or HB 4397 “in their current form.”

House Bill 4397 Passes: Michigan No-Fault Insurance Reform That Mirrors Senate Bill

A little after 2am today, May 9th, the Michigan House of Representatives passed their own version of Michigan No-Fault insurance reform on a 61 to 49 vote.

New Michigan No-Fault Auto Insurance Bill: What Does It Mean?

Senate Bill 1 was passed by the Senate on a 24 to 14 vote on Tuesday May, 7th. Learn the main points of the bill as passed by the Senate.

Senate Bill 1: All Talk on auto No-Fault

Senate Bill 1 was introduced  by Sen. Aric Nesbitt (R-Lawton) on Tuesday, January 15th. Get the details on what was proposed in the bill.

House defeats Duggan-Leonard No-Fault insurance plan on 63-45 vote

In the wake of the demise of the Duggan-Leonard-Theis No-Fault insurance plan, lawmakers must make realistic, conscientious strides to lower premiums, preserve benefits

Why Michigan No-Fault reform bill HB 5013 is bad for your health

Health insurance study further undermines Michigan No-Fault plan to use benefit caps to steer car accident victims toward health-insurer medical coverage

Repulsive Michigan No-Fault reform bill goes to full House

Insurance-backed Republicans on committee betting that promises of savings in bill will be too tempting for full House to resist

Expect more denials and delays under Duggan No-Fault plan

Duggan-Leonard-Theis reform plan, HB 5013, gives auto insurers more “excuses” for insurance companies to deny, defend, delay No-Fault benefits to hurt car crash victims

How insurers will be able to harass Michigan doctors

Duggan-Leonard No-Fault reform bill allows insurance companies to harass doctors who treat injured car crash victims through denial of payments, claims of improper over-utilization, refunds — even threats of criminal charges

Will Michigan doctors stop treating car accident victims?

Uncertainty of payment and insurer harassment under Duggan-Leonard-Theis No-Fault plan will scare doctors away from treating injured auto accident victims

Duggan-Leonard reform plan makes it tougher to collect overdue No-Fault benefits

The Duggan-Leonard-Theis auto No-Fault reform plan sets new hurdles for auto lawyers to prove owed No-Fault PIP benefits are overdue; easier for insurers to deny valid claims to consumers; makes it harder for lawyers to sue and bring lawsuits for legally owed and overdue PIP benefits

House lawmakers unite in push for Michigan No-Fault Insurance reform

Democrats and Republicans back Michigan No-Fault reform that includes fee schedule, IME oversight & imposing fair dealing/good faith requirement on auto insurers

How the Michigan Chamber of Commerce is failing its members on No-Fault reform

Michigan Chamber of Commerce president Richard Studley drops the ball on helping Michigan businesses compete, have real savings for drivers; ignores rising health care costs for employers and taxpayers

Mayor Duggan, where’s our 95% in car insurance savings?

Shouldn’t drivers pay 95% less if the Duggan-Leonard-Theis plan is going to allow the insurance companies to slash No-Fault PIP coverage by 95%, instead of letting the insurance companies pocket the difference at taxpayers’ expense?

Crain’s story on “Duggan divides lawyers on auto insurance” is just wrong

Just one lawyer, speaking for himself, supports Duggan-Leonard plan. All other auto accident lawyers unanimously reject Duggan-Leonard-Theis plan

Steve Gursten on Nolan Finley Show dissects No-Fault reform plan

Flaws and false promises of Duggan-Leonard Michigan No-Fault insurance reform plan exposed

Politicians pushing No-Fault reform got $250K from insurance industry

Campaign contribution data shows House Insurance Committee Republicans who favor Michigan No-Fault insurance reform have received $253,075 from insurance industry

Takeaways from House Insurance hearing on Duggan-Leonard No-Fault plan

Car insurance savings come at big cost, including $150 million shifted onto taxpayers, a “$25,000 bridge,” and admission that there will be no savings for $500,000 and unlimited No-Fault cap options by Theis

Duggan’s Michigan No-Fault reform to slash family attendant care 66%

For the most seriously injured car crash victims who need attendant care based on a doctor’s 24/7 prescription for safety, Duggan-Leonard want to cap No-Fault attendant care at 2 days max

Duggan’s $25K No-Fault PIP Choice Cap won’t cover medical, wages

How can Duggan, Leonard’s No-Fault Driver’s Choice Plan work with a $25,000 cap that fails to even cover the average No-Fault medical claim or one year of wage loss benefits?

Duggan, Leonard No-Fault PIP Cap is $25K — not the $250K they promise

Detroit Mayor says $250K No-Fault PIP Cap, but the truth is $25K is it for car crash victims. “Cornhusker Kickback” of $225K is for the big hospitals for acute emergency care only after car accidents

Duggan, Leonard plan overhaul of No-Fault car insurance

Car accident attorney analyzes key aspects of Driver’s Choice Car Insurance Reform plan advanced by Detroit Mayor Duggan and House Speaker Leonard

Michigan No-Fault reform won’t lower high collision insurance costs

Michigan auto insurers collect $330 million and $150 million more in premiums for collision insurance and comprehensive insurance than they pay out in benefits

What No-Fault insurance savings can reform really bring?

We deserve to know the No-Fault insurance savings from Michigan No-Fault reform before politicians in Lansing take away vital benefits and legal protections

Is Fair and Affordable Michigan No-Fault insurance reform the answer?

House lawmakers’ new Fair and Affordable Michigan No-Fault insurance reform legislation a better way to preserve PIP benefits, legal protections for car crash victims

Listen to Steve Gursten discuss Michigan No-Fault reform on NPR

Lester Graham of National Public Radio interviews attorney Steven Gursten regarding updates on recent Michigan No-Fault reform proposals and how capping medical benefits really wouldn’t lower rates.


Talking Michigan No-Fault reform with L. Brooks Patterson

Watch the full discussion in this series of videos as attorney Steven Gursten talks about the benefits of Michigan No-Fault reform with Oakland County Executive L. Brooks Patterson.

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