Homeowners Insurance Laws Michigan

Eliminating no-fault auto insurance is a bad idea (guest commentary)

By Philip H. McCorkle Jr. and Kent Riddle

Michigan’s current auto no-fault insurance program, which funds life-saving care for patients who have suffered traumatic injuries in catastrophic auto accidents, is under attack in the state Legislature.

If House Bill 4936 becomes law, our state will lose jobs, injured drivers will lose quality of life and all residents will pay more in the long run. Patients likely will face reduced access to basic and long-term care as hospitals struggle to absorb more than $200 million in lost funding for trauma systems and rehabilitation services in its first year alone.

The No-Fault Act went into effect in 1973, establishing the Michigan Catastrophic Claims Association to pay long-term or lifetime medical benefits for accident victims without regard to who caused the accident. In return, Michigan drivers gave up the right to sue at-fault drivers in most cases. The idea was to reduce litigation while providing needed medical benefits for people who are catastrophically injured as the result of a vehicle accident.

In September, Sen. Peter Lund introduced House Bill 4936, which is seeking to eliminate our current personal injury protection, or PIP, by allowing drivers to purchase capped medical benefits as low as $250,000 in exchange for reduced premiums. His bill states that the MCCA budget is ready to implode. But the finances of the organization are not open to public scrutiny as the Freedom of Information Act does not apply to it, so it is impossible to verify this claim.

The auto insurance lobby argues that the lifetime benefit duplicates coverage Michigan residents have through their medical insurance. But have lawmakers checked the unemployment rate lately? In August, it stood at 11.2 percent — meaning more than 1 out of every 10 Michiganders is out of work. A Health Michigan 2010 report notes that 1.1 million residents are uninsured, while 3.2 million Michiganders are medically underserved and another 1.5 million are unserved.

What Are Laws For Car Insurance In Michigan State? | Insurance ...

QuoteGuy.com is a free referral service that helps people find the most competitive insurance rates in the business. Consumers compare coverage rates and are able to save time and money on insurance premiums with QuoteGuy.com.

When you fill out our short quote request form , we match you with insurance providers in your area who can provide the type of coverage you need. With multiple agents vying for your business, it's easy to pick the policy that fits your needs and budget best.

Need information on medicare? See 2011 medicare advantage plans

There has been an extraordinary growth in the automobile sector in the previous few years.More the number are cars bought, more will be the chances of accidents.It has become compulsory for you to get financial protection against such unpredictable events by taking an insurance.

Free online car insurance quotes are given by many insurance agencies, on the net.You must have an in depth knowledge of conditions and stipulations offered by various companies.The insurance premium is calculated by taking details like type of car, driving background of the driver and the locality in which the car will largely commute.By taking a policy for more than one car together or taking a combined policy of house insurance and automobile insurance you can get the policy at a discounted rate.You should choose your insurance company only after making analytical comparison of above stated points.

If you have purchased a new car in Michigan State it is compulsory for you to take Michigan car insurance .Severe regulation for automobile insurance has been imposed by the State government, as the number of car mishaps in the recent time is large.As per the law it is compulsory for you to take cover for physical damage cost, medical cost of driver, property protection cover which will cover the damages to properties like buildings, fences and vehicles of other people and also litigation charges if at the driver is found at fault in any mishap and is dragged to court.

Michigan, a history of the Wolverine State

This book examines Michigan's colorful history from 1980 to 1994.

Laws

A foundational work of both Western philosophy and classical literature, in a highly readable 1871 translation by Benjamin Jowett, this is essential reading for ...

Insurance for Dummies

Explains how to buy and save on every kind of insurance, including life, health, auto and home insurance, and offers tips on how to get the best coverage for ...

The new life insurance investment advisor

"For anyone who needs to understand different types of life insurance, as well as considerations forpurchasing and managing policies, this book should be on ...

The Complete Book of Insurance, Understand the Coverage You Really Need

Let The Complete Book of Insurance guide you through all of your major insurance needs.