Welcome to CPAN: the Coalition Protecting Auto No-Fault
A broad based, bipartisan coalition to preserve Michigan’s model No-Fault Insurance System
The Michigan No-Fault System Is Under Attack!
Thirty-five years ago, Michigan adopted a no-fault auto insurance system built upon a fundamental compromise:
Guaranteed payment of lifetime medical and rehabilitation expenses for all individuals sustaining injury in motor vehicle accidents, regardless of fault, in exchange for fair and reasonable limitations on the rights of seriously injured victims to recover noneconomic loss damages from the careless drivers who cause injury.
As a result of this basic compromise, Michigan was successful in establishing a no-fault system that was the envy of the nation – balancing fair and necessary first party benefits while preserving tort rights for seriously injured victims, all while keeping premiums affordable.
This delicate balance and the highly respected benefits it affords Michigan drivers is now in serious jeopardy. In the last decade, the insurance industry has launched an attack on the Michigan no-fault system in an attempt to alter the fundamental promise of no-fault in the following ways:
- By winning several important court decisions which have resulted in a substantial loss of rights for injured people; and
- By proposing legislation that would reduce insurance benefits, adopt managed care, impose medical fee schedules, and allow insurance companies to write polices that would pay for only a fraction of the medical expenses suffered by catastrophically injured people.
The need to vigorously oppose these effort by the insurance company is what led to the creation of CPAN (the Coalition Protecting Auto No-Fault) in 2003. CPAN is fighting on behalf of injured people and healthcare providers throughout our state to keep our model no-fault system intact.
