We support the general principles in Michigan's No-Fault Insurance law that allow people injured in automobile accidents to receive economic compensation more quickly and equitably. There remain aspects of the law which restrict rights and responsibilities of the individual, increase claims costs, and ultimately the insurance premiums paid by motorists.
We support the following improvements to No-Fault Insurance:
We support legislation which improves Michigan's No-Fault Insurance, reduces the cost of auto insurance, and passes the majority of savings on to the consumer.
We oppose any legislation that attempts to equalize auto insurance rates throughout Michigan. Additionally, we will not support auto insurance rollbacks unless they are offset by reforms which reduce costs.
Michigan's No-Fault Insurance law provides that drivers having accidents or tickets can be charged more for automobile insurance. To ensure that proper insurance premiums are charged, we support improved accuracy of the Secretary of State's accident/violation records.
The Michigan Auto Insurance Placement Facility, which insures high-risk drivers, should be fully self-funded.
Uninsured motorists increase costs to law-abiding citizens. We recommend increased law enforcement and an increase in fines for uninsured motorists and impoundment of the vehicle. We urge the exploration of methods and mechanisms to change the collections for the Michigan Catastrophic Claims Association Fund to ensure equity amongst Michigan motorists.