Urgent Action Alerts



Posted Aug 26th, 2016
LANSING – Michigan Court of Appeals issued ruling today in the Coalition Protecting Auto No-Fault’s transparency lawsuit against the Michigan Catastrophic Claims Association (MCCA).

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 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 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 8th, 2015
CPAN's press release following the Senate Insurance Committee Meeting on June 3rd that resulted in a vote on SB 288, Mayor Duggan's D-Insurance Bill. The bill passed out of committee by a 5 to 3 vote and is now on the Senate floor with a vote anticipated during the week of June 8th. To read CPAN's Analysis of the D-Insurance bill, check the CPAN website Urgent Action Alerts.

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 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 Apr 16th, 2015
This quick analysis was shared with members of the media this morning at CPAN Media Round table.

Posted Apr 15th, 2015
The Senate Insurance Committee today held a last-minute hearing to pass Senate Bill 248, which would significantly alter Michigan’s no-fault insurance system. Notice of the hearing was issued at 4:59 p.m. on Tuesday, less than 24 hours before today’s 12:30 p.m. hearing. The legislation has four key features: it creates an auto insurance fraud prevention authority; creates a new catastrophic claims system; restricts payments for family-provided attendant care and imposes Workers Compensation fee schedules on auto injury claims. “CPAN is deeply disappointed in the way today’s hearing was handled and the lack of due process that was given to such an important policy issue. It was not until the hearing began that even members of the committee were made fully aware of what was included in the legislation,” said CPAN President John Cornack. “The tens of thousands of accident survivors in this state who would be impacted by this bill deserve more than that.” Cornack noted until this point, CPAN had been holding positive discussions with members of the insurance industry over the past several months in an effort to reach consensus on legislative reforms, including family provided attendant care and fraud prevention. “Today’s actions were not helpful in advancing these discussions, and now the committee has taken a step backward,” said Cornack. “We are calling on the full Senate to take time to perform its due diligence and undertake a process that ensures robust feedback on this critical issue.”

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 May 1st, 2014
Democrats in the Michigan House held a news conference today announcing their alternative to proposed changes to Michigan’s auto insurance system. The 14-bill package aims to address three key areas: consumer protection, affordability and transparency.

Posted Feb 18th, 2014
The Coalition Protecting Auto No-Fault has conducted an analysis of Michigan Supreme Court cases decided under the Michigan Auto No-Fault Act within the past 10 years. From 2003 through 2013, there have been 25 major auto no-fault insurance cases decided by the Supreme Court. Of those 25 cases, the Supreme Court ruled in favor of the insurance companies and against the patients or health care providers 21 times. The following pages provide a brief description of each of these 25 Supreme Court decisions and the impact the case is having on the rights of Michigan’s auto accident victims. ter body here...

Posted Nov 5th, 2013
CPAN President John Cornack sent a letter to state lawmakers today urging them to to seek data from the MCCA to substantiate the claims made by the auto insurers to justify their proposed changes to the state's no-fault system.

Posted Oct 16th, 2013
CPAN President John Cornack was on the radio this week to talk about a misleading brochure insurance companies are sending to their customers. Listen to the interviews here.

Posted Oct 14th, 2013
The Coalition Protecting Auto No-Fault (CPAN) today warned Michigan drivers not to be intimidated by letters from their auto insurer encouraging them to support no-fault reform.

Posted Oct 3rd, 2013
Recently introduced HB 4959 gives Medicare eligible citizens the right to opt-out of mandatory no-fault coverage. Download CPAN's analysis explaining why this legislation is detrimental to Michigan seniors and the state auto no-fault system as a whole.

Posted Sep 23rd, 2013
The September-October newsletter from AAA auto insurance includes a letter from the company's president, in which he confirms many of CPAN's positions.

Posted Aug 20th, 2013
The proposed legislation HB 4612 would significantly alter Michigan's current no-fault insurance system and would cap injury benefits at $1 million for accident victims. This legislation passed out of the House Insurance Committee and is now awaiting a vote on the House floor.

Posted Jul 2nd, 2013
LANSING - As of yesterday, all Michigan drivers had an additional $11 added to their auto insurance policies. The cost increase, which comes on the heels of a $30 rate increase last year, is the result of the insurance industry-controlled Michigan Catastrophic Claims Association (MCCA) increasing the fee charged to every Michigan auto insurance policy. The per-vehicle annual fee is now $186.

Posted Jun 13th, 2013
"Because of the no-fault system I'm able to attend therapies that are not covered by health insurance which have allowed me to regain functions such as feeding myself, writing and sitting up on my own - exceeding all of my doctor's expectations."

Posted Jun 12th, 2013
"April 7, 1994 was the day that forever changed my life. During a turn, the car I was driving spun out of control eventually slamming backward into a parked semi truck. Prior to my accident, I was a college athlete and Comstock Township firefighter. When emergency teams arrived they were shocked to see one of their own trapped in the wreckage."

Posted Jun 11th, 2013
Life can change in a blink of an eye. On Dec. 28, 2006, I was headed to work as a home health nursing manager when another driver lost control and crossed the center line. I tried to drive out of his path, but the poor weather and road conditions prevented it, and we collided nearly head on. I was transported via ambulance to a nearby hospital with extensive injuries and in critical condition. Due to the extent of my injuries and traumatic brain injury, my family was told that I may not survive.

Posted Jun 6th, 2013
"Prior to my accident, I served my country for 23 years as a helicopter pilot and instructor in Michigan's Army National Guard. My injuries prohibited my return to work, resulting in the loss of my job and health insurance. No-fault has covered the necessary services, including a nurse aide who accompanied me during my first year of recovery. Every day from 7 a.m. to 6 p.m. we went to outpatient therapy. Without these services, I would not have regained the strength to take care of myself."

Posted Jun 5th, 2013
"Without no-fault we know we would have lost everything, including our home, and would more than likely have filed for bankruptcy to pay for the medical costs."

Posted Jun 4th, 2013
"Every able-bodied person is looking for a good quality of life. That's what disabled people are looking for, too. The current no-fault system absolutely supports that. Vote no on HB 4612!"

Posted May 24th, 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.

Posted May 21st, 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.

Posted May 13th, 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."

Posted May 1st, 2013
Recently discovered IRS filings reveal disturbing facts about the management of the Michigan Catastrophic Claims Association, the Coalition Protecting Auto No-Fault announced today. The documents include IRS 990 forms showing that the MCCA keeps funds in a bank in the Cayman Islands.

Posted Apr 26th, 2013
Contrary to the insurance industry's claims, House Bill 4612 includes retroactive language that will apply significant benefit reductions and restrictions to patients previously injured in an automobile accident - a provision that is inherently unconstitutional.

Posted Apr 24th, 2013
On April 23, 2013, HB 4612 was introduced in the Michigan House of Representatives. The Bill imposes unprecedented dollar cap limitations on medical benefits and significantly restricts what treatment, services, and benefits are available to persons seriously injured in motor vehicle accidents. A number of the benefit restrictions contained in this Bill were contained in Proposal C, a referendum, which was resoundingly defeated by Michigan voters in 1994. The major features of this Bill are summarized by CPAN General Counsel George Sinas.

Posted Apr 24th, 2013
Tomorrow the House Insurance Committee will hear testimony on HB 4612 ' the auto no-fault bill - and we need your help!

Posted Apr 24th, 2013
Governor Snyder's auto no-fault "reform" package, introduced this week in the House of Representatives, merely shifts taxes while eliminating lifetime benefits for Michigan drivers and shafting taxpayers.

Posted Mar 27th, 2013
Watch this interview of L. Brooks Patterson talk about his personal experience with no-fault and why Michigan's lifetime injury benefits must be maintained.

Posted Nov 27th, 2012
CPAN sends a letter to leadership and copies all legislators urging them not to use this lame duck period as an excuse to rush through ill-conceived and short-sighted changes to Michigan's model no-fault system.

Posted Oct 18th, 2012
On October 17, a memo was delivered to members of the House and Senate along with a summary of the CPAN and BIAMI lawsuits. The message: CPAN believes, as many of you do, that transparency of the MCCA is critical and the data needs to be provided before proceeding with any significant policy changes to the auto no-fault system. It is important to note that there will be oral arguments in the Ingham Circuit Court on Oct. 24th. We ask that you share this information with your constituents prior to seeking a vote on any proposals before you.

Posted Aug 27th, 2012
The Importance of the Lawsuits Filed Against the MCCA by BIAMI and CPAN and the Fight to save Auto No-Fault Download Presentation Michael F. Dabbs, President, Brain Injury Association of Michigan Judge James R. Giddings, Attorney for the Plaintiff Noah D. Hall, Associate Professor of Law, Wayne State University John Cornack MPM, NHA, President Eisenhower Center George T. Sinas

CPAN's Analysis of HB 5854 (Changes to the Assigned Claims Plan)
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.

QUICK ANALYSIS OF SB 248 (SUB)
Posted Apr 16th, 2015
The attached analysis was shared with the media this morning at the CPAN Press Conference.



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