I am a Registered nurse licensed for over 20 Years in Michigan. I am part owner of a Michigan-based company that cares for individuals who have been seriously injured in Automobile accidents primarily in Wayne, Oakland, Macomb, & Washtenaw Counties. We do have just over a dozen in outlying areas as well. My comment regarding SB 293 & SB 294 will be best explained by sharing another insurance company sales strategy that is also devasting Michigan Policy Holders as we speak.
Most people when phoning their auto carrier answer a series of questions that when affirmative, allow the policy holder a reduction in cost of coverage while maintaining the desired level of benefit. The scenario usually goes like this "Do you have an alarm? Great you get a discount. Do you have other coverages like home or life with us? Great, that qualifies you for another discount. Are you a member of an employer group or Credit Union? Great, that's another discount. Do you have health insurance with your employer? Great, that will be another discount.
Unbenounced to the consumer, the last question discounts cost when a "Coordinated Benefits Option" is selected. We have seen individuals severely injured who could benefit from aggressive rehabilitative inpatient care following devastating car accidents DENIED the coverage they need most because coordination of benefits. Which means if the health insurance carrier denies care, the Auto carrier also denies care. So everyone with HMOs or PPOs in Michigan you are at risk. This is NEVER explained to the consumer, just as the hidden dark-side of SB 293 & SB 294 is not being accurately and fully explained. These laws will definitely benefit the insurance carriers. But consumer beware...only one side can win.
Try and calculate the cost of in-home care when a physically devastating accident occurs in your family. It is mind-altering. So before you agree with the limitations imposed by SB 293 & 294 speak with a real accident victim and ask why they are thankful for our current No-Fault law. Our current No-Fault Law is not broken...don't try to fix it.