Frequently Asked Questions

What is CPAN?

The Coalition to Protect Auto No-fault is comprised of more than 25 health care, labor, consumer and military veterans organizations representing thousands of members. CPAN was formed after Michigan’s successful auto no-fault laws became under siege from the courts and the state legislature.

Why do we need to know more about the MCCA?

The Michigan Catastrophic Claims Association has the power to impose costs upon insurance companies who then pass the charges onto consumers. But this government-mandated association is not accountable in any way. They can conduct their meetings in secrecy, are not subject to the Freedom of Information Act, and do not reveal how they determine what they will charge. It is therefore impossible to determine how profitable the MCCA is or what criteria they use to determine what consumers will pay. It is critical we open up the MCCA to public scrutiny.

Why is the Kreiner Fix so important?

Unless the Kreiner problem is “fixed” by the Legislature, Michigan’s model no-fault system will be in jeopardy of being completely eliminated. Also, innocent accident victims will continue to be denied the right to pursue legitimate non-economic loss claims against the at-fault and drunk drivers whose irresponsibility causes countless highway tragedies.

Since the Kreiner decision was released, there have been approximately 165 unpublished Court of Appeals decisions implementing its severe limitations. Of those 165 cases, the innocent victim lost 140 times!

Will the Insurance Advocate fix these problems?

Governor Granholm created the position of Automobile and Home Insurance Consumer Advocate, which went in effect as of April of 2008. CPAN and its members will remain vigilant in ensuring continuing efforts against the insurance companies’ efforts to deny, defend and delay insurance claims to deserving victims.