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Michigan’s No-Fault auto insurance law was designed to ensure drivers received comprehensive coverage for medical and rehabilitation expenses, regardless of fault. However, Michigan has some of the highest insurance rates, with fees varying based on race, geography, and credit scores.

In 2019, Governor Gretchen Whitmer’s reform aimed to reduce insurance costs but resulted in a 45% cut to caregiver reimbursements, forcing many out of business. Nearly 20,000 catastrophic injury survivors have been denied coverage despite paying into the system for years.

Meanwhile, the Michigan Catastrophic Claims Association (MCCA) holds $28 billion in taxpayer money paid into by all Michiganders for these survivors, but access to these funds is blocked. Backed by the Insurance Alliance of Michigan (IAM), insurance companies prioritize profit, funneling donations to politicians to protect their interests.

This story exposes the greed, political power, and self-interest driving the system.