I voted no on legislation to change Michigan's insurance code to end no-fault insurance.

I opposed this legislation for many reasons. My biggest problem with the bill is that it fails to address redlining and discrimination in rate-setting. It also fails to prohibit the use of non-driving factors. Interestingly, the bill prohibits the use of “credit scores” but sidesteps broader language that would prevent the use of other credit information that insurers already use.

If signed, this legislation will mean dramatically worse coverage and, if the insurers can afford it, a reduction in the portion of car insurance rates related to personal injury protection. There is nothing preventing increases in the non-PiP portion of your premium.

This legislation is great for the insurance industry, but it is bad for injured motorists and their families. The bill pushes injured people into bankruptcy and Medicaid, leaving catastrophically injured motorists without the long-term care they need. Our health insurance premiums will go up. Our Medicaid costs will go up. This doesn’t look like a good deal for people.

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