Posted Mar 24th, 2016
Dr. Owen Perlman specializes in treating catastrophic auto accident victims. His column warning against the "worthless and Draconian" coverage proposed by Mayor Duggan's D-Insurance plan was published in the Detroit News today.
Posted Mar 14th, 2016
The background document provides a detailed explanation of the CPAN "transparency" lawsuit against the MCCA including the current status of the case.
Posted Feb 2nd, 2016
This is a copy of the reply brief prepared in response to the initial briefs submitted to the Court of Appeals on January 11, 2016 by the MCCA.
Posted Feb 2nd, 2016
This is a copy of the initial brief submitted to the Court of Appeals on January 11, 2016.
Posted Feb 2nd, 2016
This is a copy of the brief prepared in response to the initial brief submitted to the Court of Appeals on January 11, 2016 by CPAN.
Posted Feb 2nd, 2016
This is a copy of the MCCA's initial brief submitted to the Court of Appeals on January 11, 2016.
Posted Dec 14th, 2015
State Representative and House Insurance Committee Minority Chairman Brian Banks (D-Detroit) today announced the introduction of two bills that offer a strong alternative to D-Insurance. These bills would lower rates for Michigan drivers while maintaining the life-saving personal injury benefits provided by the current no-fault system.
Posted Nov 20th, 2015
A recent EPIC-MRA survey found that 54 percent of Michigan general election voters oppose Senate Bill 288 (D-Insurance) while only 33 percent support.
The proposed law would severely limit the medical care available to Detroit drivers injured in auto accidents to a total of $250,000 in critical medical care, and just $25,000 of care once a patient is stabilized.
Click the link above to get the full results.
Posted Oct 16th, 2015
The Michigan Supreme Court issued an order today vacating a recent decision by Michigan Court of Appeals, which held that the Michigan Catastrophic Claims Association (MCCA) was not subject to the Michigan Freedom of Information Act (FOIA).
Posted Jun 10th, 2015
In an effort to address the problem of excessively high auto insurance rates in Detroit, SB 288 was recently introduced by Senator Virgil Smith. The Senate Insurance Committee passed two amendments to this bill, which is currently referenced as SB 288 (S-3). This bill gives Detroit
residents, as well as residents of any city where more than 35% of its residents are uninsured, the option to purchase a stripped-down auto no-fault insurance policy that is not legal to sell to any other Michigan citizens. This type of substandard no-fault policy is referred to as a
“Qualified No-Fault Policy.”
These substandard no-fault policies contain drastic limitations in coverage and benefits compared to that which is available under a traditional Michigan no-fault insurance policy. That means people insured under these substandard policies will have second-class auto
insurance compared to other Michigan citizens. Moreover, such policies are likely to have significant negative consequences statewide. The main features of SB 288 (S-3) are described in this summary.
Posted Jun 1st, 2015
After barely 72 hours of consideration, the Michigan Senate, on April 16, 2015, passed SB 248. The Insurance Committee of the Michigan House of Representatives amended SB 248 and voted SB 248(H-3) out of committee on April 30, 2015. SB 248 (H-3) (hereinafter “the Bill”) is now pending in the House of Representatives. The Bill would: (1) significantly reduce reimbursements to medical providers; (2) substantially limit attendant care benefits to catastrophically injured patients who are cared for at home; (3) create a new catastrophic claims commission for accidents occurring after the effective date of the legislation; (4) create a new insurance fraud authority; and (5) adopt a new test to determine if insurance premiums are excessive. CPAN believes the Bill is seriously flawed, will create great instability in the Michigan auto no-fault system, impair patient access to medical care, seriously reduce revenue to the Michigan health care industry, result in a significant loss of jobs, and completely fail to reduce auto insurance premiums for the majority of Michigan citizens. The highlights of the Bill are summarized is this document.
Posted May 18th, 2015
This is a brief outline of the components in SB 248 (H-3) as passed out of the House Insurance Committee on April 23, 2015
Posted May 14th, 2015
Here is CPAN’s summary analysis of the most current D- Insurance proposal being offered by Detroit Mayor Duggan. Members of the CPAN Executive Committee recently met with Mayor Duggan and Butch Hollowell (Detroit’s Corporation Counsel) to discuss CPAN’s concerns with the proposal. CPAN remains committed to working with the City to address its high auto insurance rates, as well as advocating for all Michigan drivers for affordable auto insurance.
Posted Apr 29th, 2015
Health care providers, elected officials say legislation
drastically cuts reimbursement for treatment of accident victims
ROYAL OAK – Supporters of auto no-fault, including many survivors of catastrophic auto-accident injuries, today filled the concourse at Beaumont Hospital to urge lawmakers to protect health care services for victims of catastrophic auto accidents and put the brakes on legislation that is speeding through the Michigan Legislature.
Posted Apr 21st, 2015
CPAN legal counsel has issued its analysis of Senate Bill 248. Download it here.
CPAN's Summary Analysis of SB 248
Posted Apr 21st, 2015
After barely 72 hours of consideration, the Michigan Senate, on April 16, 2015, passed SB 248, which, if enacted, will dramatically alter the Michigan auto no-fault system. This Bill would: (1) significantly reduce reimbursements to medical providers; (2) substantially limit attendant care benefits to catastrophically injured patients who are cared for at home; (3) create a new catastrophic claims commission for accidents occurring after the effective date of the legislation; (4) create a new insurance fraud authority; and (5) adopt a new test to determine if insurance premiums are excessive. CPAN believes this bill is seriously flawed, will create great instability in the Michigan auto no-fault system, impair patient access to medical care, seriously reduce revenue to the Michigan health care industry, result in a significant loss of jobs, and completely fail to reduce auto insurance premiums for the majority of Michigan citizens. The highlights of the Bill are attached.
Posted Nov 20th, 2014
Published on Nov 14, 2014
This short video was shown for the first time at the CPAN Auto No-Fault Gala on Saturday, October 18, 2014. It highlights the accomplishments of the coalition during the past 12 months.
If CPAN did not exist, those stakeholders who want to preserve Michigan's model no-fault insurance system would lose the unified force of a large, well-respected, bipartisan organization that had proven it can effectively resist the political power of the Michigan auto insurance industry. The fact is that CPAN has become an important voice that legislators listen to regarding auto no-fault issues.
Posted Nov 11th, 2014
CPAN President John Cornack and Board Member John Prosser were guests on the Michael Patrick Shiels show this morning, November 11, 2014 discussing HB 5854. Here is their interview...
Posted Oct 22nd, 2014
On September 23, 2014, Representative Peter Lund introduced House Bill 5854, which makes sweeping and destructive changes to the operation of the Michigan Auto No-Fault Assigned Claims Plan. This bill frustrates the objective of the Assigned Claims Plan by making it much more difficult for otherwise eligible victims to recover no-fault benefits. The Bill erects numerous technical barriers and procedural obstacles that claimants must strictly satisfy or lose their right to receive no-fault PIP benefits. Likewise, medical providers will lose the right to recover reimbursement for necessary medical treatment that was rendered to such claimants if there is non-compliance with the new technicalities created by this Bill. The highlights of this proposed legislation are discussed in this analysis.
Posted Sep 3rd, 2014
The Coalition Protecting Auto No-Fault (CPAN) and the Brain Injury Association of Michigan (BIAMI) announced today that the organizations have appealed their transparency lawsuit against the Michigan Catastrophic Claims Association (MCCA) to the Michigan Supreme Court.
Posted Mar 20th, 2014
Today Democratic gubernatorial candidate Mark Schauer issued the following statement regarding Republican efforts to undermine Michigan's Auto No Fault Insurance Law.
Posted Feb 17th, 2014
Enter body here...
Posted Dec 2nd, 2013
Judge James Giddings presented Justice Michael F. Cavanagh with the CPAN Judical Lifetime Achievement Award on Saturday, October 26th at the 40th Anniversary of No-Fault and 10th Anniversary of CPAN Gala in Lansing. Attached is a copy of his remarks upon receiving this award.
Posted Aug 18th, 2013
As the economy took a turn for the worse in late 2007 many saw an opportunity to reduce the size of government, cut taxes for the wealthy, and cut benefits for the most needy. And while these austerity measures were good at putting money in the hands of the rich and big corporations they hurt the middle class and the poor.
Posted Jul 28th, 2013
Erica Coulston knows the value of Michigan's no fault insurance system better than most.
She was in a serious car accident 12 years ago and became a quadriplegic. Years of medical treatment and physical therapy have made her not only more independent, but more upbeat about the future.
Posted Jul 22nd, 2013
The Consumer Federation of America blasted insurance companies that use education and occupation to set rates for auto coverage, calling it an 'unfair and discriminatory' way to price their policies.
Posted Nov 29th, 2012
Listen to John Prosser and Michael Patrick Shiels talk about auto no-fault and the lame duck legislative session.
Posted Oct 18th, 2012
Mitch talks with John Prosser about the attack on Michigan's no-fault system, Kevin McKinney about the need to the data before calling for changes to the law and John Cornack on the impact on jobs in Michigan should pending legislation pass.
Posted Oct 18th, 2012
Mitch talks with Mike Dabbs, Owen Perlman and George Sinas about the benefits of Michigan's No-Fault system.