What was the idea behind no-fault insurance? It certainly wasn't to provide good, safe drivers with lower rates. With unlimited health coverage, the cost is now higher than any other state. I agree we should go back to insurance with common sense - if you are in an accident and not your fault, the at fault person's insurance should pay. And medical should be limited the a common sense total, not millions for years.

The following comes from a Michigan Bankers Association news release. Despite Mr. Marsman's comments this issue was very much discussed and worked out by multiple parties in both legislative bodies and the Governor. It received overwhelming majorities in both houses. Credit Sen Aric Nesbitt for placing a high priority on moving this issue to the top of the pile. During a rare Friday session and after hours of negotiations, Governor Gretchen Whitmer, Speaker Lee Chatfield (R – Levering) and Senate Majority Leader Mike Shirkey (R – Clarklake) reached an agreement on what auto insurance in Michigan looks like. Both the Michigan House and Senate passed SB 1(Nesbitt) on votes of 94:15 in the House and 34:4 in the Senate. The bill mandates insurers lower their rates, provide customers choice on personal injury protection (PIP) and stop using certain non-driving factors when setting rates. The bill, which ended up being 120 pages long, implements a hospital fee schedule that starts July 1, 2021 which will pay out 200% of the Medicare reimbursement rate on those vehicle crash victims that hospitals care for. The exact percentage will be based on the volume of Medicaid patients and victims seen. In addition, the rate rollbacks are required for the next eight years and it will mandate that low-income residents and those with very high-deductible plans purchase additional health insurance to cover costs. The bill specifically does the following: • Authorizes four different PIP coverage options (unlimited lifetime coverage, $500,000 limit, $250,000 limit, and a $50,000 limit for those on Medicaid. Seniors on Medicare and those with specific health insurance can opt out altogether from having to purchase PIP coverage; • Gender, marital status, zip codes, credit scores, homeownership, education level and occupation will all be banned rating factors; • Insurers must file rates with the Department of Insurance and Financial Services (DIFS) and cannot use those rates until they have been approved by DIFS or 90 days has passed (whichever comes first). If DIFS disapproves, the insurer has 15 days to refile a rate in compliance with a DIFS order. • Establishes an anti-fraud unit as a criminal justice agency within DIFS. o Allows the anti-fraud unit to conduct criminal background checks on applicants for insurance licenses and current licensees, collect and maintain claims of criminal and fraudulent activities in the insurance industry and investigate claims of criminal and fraudulent activity in the insurance market, among other things; o Allows the DIFS Director to share and receive documents, materials, or information related to investigations; o Requires the anti-fraud unit to prepare and give to the Legislature an annual report on the unit’s efforts to prevent automobile fraud.