CPAN - Coalition Protecting Auto No-Fault - The trusted voice in Michigan's Auto No-Fault System

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! Help us Preserve Your Auto No-Fault Benefits!

The insurance industry has introduced legislation that, if enacted, would fundamentally change the basic nature of the Michigan auto no-fault system.

Michigan insurance companies want to cap your injury and rehabilitation auto insurance benefits (known as Personal Injury Protection), which they say will save drivers 15 percent on the Personal Injury Protection portion of their premium.

Here’s what insurance companies are not telling you about this legislation:

The insurance industry REFUSES to guarantee cost savings in exchange for reduced benefits.
Drivers will have to purchase MORE insurance to protect themselves from underinsured drivers.
Seriously injured drivers will be FORCED onto welfare programs to pay for their care once their auto insurance hits the proposed limits, which our state cannot afford.

To read more about the Analysis of the financial condition of the MCCA and the 2012-13 Increase in Assessment click on the link below:

http://www.cpan.us/docs/Supplemental Analysis by Birny Birnbaum on MCCA 3.22.12.pdf
http://www.cpan.us/docs/MCCA Analysis Summary_3.22.12.pdf

View a full analysis of the insurance industry's legislation, House Bill 4936, by clicking the link below:

Fight to Save Auto No-Fault HB-4936 (H-2)

Help CPAN Protect Our Auto Insurance Benefits!

Visit our advocacy page to learn how you can help CPAN fight your the rights of accident victims and protect our model no-fault system.

There's the Truth, and Then There's the Auto Insurance Industry's "Virtual Truth"
05-24-2013

This blog post from the Michigan Health and Hospital Association shines some light on just how far the insurance industry is twisting the truth in their quest to dismantle Michigan�s no-fault insurance system.
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With the MCCA Withholding Information Crucial to No-Fault Debate, CPAN Sends FOIA Request to Dept. of Insurance and Financial Services Director
05-21-2013

LANSING � The Coalition Protecting Auto No-Fault submitted today a Freedom of Information Act (FOIA) request to Department of Insurance and Financial Services Director Kevin Clinton. The request seeks information that will help the public and lawmakers determine the financial sustainability of the Michigan Catastrophic Claims Association (MCCA). The financial health of the MCCA has been used by the insurance industry to argue in favor of significant changes to Michigan�s auto no-fault insurance system that would be implemented under House Bill 4612.
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Kalamazoo Township passes resolution opposing auto no-fault reform legislation
05-16-2013

The Kalamazoo Township Board of Trustees this week added their voice to the debate over proposed changes to Michigan�s auto no-fault system. On Monday, May 13, township trustees adopted a resolution opposing House Bill 4612.
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Detroit Auto No-Fault Town Hall Meeting
05-14-2013

Join CPAN and State Representative Brian Banks for a town hall meeting on May 20 to discuss the impacts proposed auto no-fault legislation (HB 4612) would have drivers, accident survivors and taxpayers.
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Legal Analysis: Despite Assurance from Committee Chair, HB 4612 STILL Includes Retroactive Benefit Restrictions
05-13-2013

�Either proponents of this legislation were intentionally misleading the public or they didn�t understand what they were voting on.� said CPAN President John Cornack. �Whichever way you read into it, the bottom line is that this bill will � in fact � reduce the level of care currently being provided to our state�s most seriously injured accident survivors.�
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Kalamazoo Town Hall Meeting Highlights Devastating Consequences of No-Fault Reforms
05-10-2013

A May 8th town hall meeting hosted by Rep. Sean McCann (D-Kalamazoo) at the John T. Bernhard Center on Western Michigan University�s campus discussed the devastating impact proposed no-fault insurance reforms will have on Michigan drivers, auto accident victims, and healthcare providers.
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Lansing Takes Wrong Path on No-Fault Auto Insurance Reform
05-17-2013

By Rep. Klint Kesto:For forty years, Michigan's auto no-fault insurance system has provided peace of mind, financial security, and the highest quality of life possible for car accident survivors injured in our state. This system is not perfect, but the changes currently on the floor of the Michigan House of Representatives are not a reasonable alternative.
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Editorial: In pursuit of a solution to no-fault
05-15-2013

From the Lansing State Journal: Michigan�s no-fault auto insurance system does need change. Yet legislation under debate � House Bill 4612 � is not the right change. It�s a starting point, not the final solution.
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No-fault reform saves little, risks lot
05-11-2013

From Livingston Daily: By legislating no-fault auto insurance, Michigan places itself in a minority of the nation�s states. Only 11 others have no-fault provisions.But Michigan is unique in that it provides uncapped health-care benefits for those suffering serious and debilitating injuries from an auto accident. The benefits are funded through an annual add-on to every auto insurance policy in the state. This year, that fee is $175, and it will increase to $186 in July.
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Laura Appel: No-fault proposal will hurt hospitals
05-10-2013

From the Lansing State Journal: Few daily, commonplace activities are as inherently dangerous as driving. It may be difficult to believe, but more than 190 Michiganders are involved in an auto accident every day. Many will escape serious injury, but there are hundreds of people each year who will be catastrophically injured and require care and rehabilitation the rest of their lives. For these unfortunate individuals and their families, Michigan auto no-fault insurance is literally a lifesaver.
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Melvin Butch Hollowell: First reform is public scrutiny of MCCA finances
05-10-2013

From the Lansing State Journal: Supreme Court Justice G. Mennen �Soapy� Williams famously wrote in an opinion on our auto no-fault law that �an automobile is a crucial, practical necessity of our day-to-day life.� Despite this fact, auto insurance companies are making driving more and more unaffordable with unchecked premium increases, including a recently announced $30 per driver increase in the annual assessment for the Michigan Catastrophic Claims Association.Lawmakers are now debating Gov. Rick Snyder�s push to cap health care coverage for Michigan�s most severely injured crash victims, without seriously addressing affordability. Now, more than ever, the MCCA needs to open up its books to the public before any new deal is reached in Lansing. No data, no deal.
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Bill would cap auto insurance coverage
05-09-2013

From the Traverse City Record Eagle: Tina Cardinal sat in a motorized wheelchair, a tube attached to her throat that allows her to breathe. She described how she was hurt in a car accident eight years ago.�I was passing a semi and he ran me into a tree,� she said in a barely audible voice. She paused. �He got a ticket.�Cardinal recently met with a reporter at The Lighthouse Neurological Rehabilitation Center in Kingsley, where she resides with 14 others. She suffered a traumatic brain injury and receives lifetime medical care, thanks to Michigan�s no-fault vehicle insurance.
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