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Latest post 09-15-2012 5:43 PM by victor88. 13 replies.
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  • 01-01-2001 12:00 AM

    2011 House Bill 4936 (Allow less than unlimited PIP insurance )

    Introduced in the House on September 13, 2011

    Click here to view bill details.
  • 10-11-2011 11:02 AM In reply to

    • Kelly
    • Top 500 Contributor
    • Joined on 03-27-2010

    Re: 2011 House Bill 4936 (Allow less than unlimited PIP insurance )

     Michigan is THE only State which mandates catostrophic coverage (MCCA).  Michigan is but one of twelve States which still have NO-fault insurance.  Michigan is THE most expensive State for motor vehicle insurance in the Nation.  Thirteen States did away with NO-fault insurance because it does not work!  Just what is so different about Michigan that makes it impossible to follow the example set by 38 other States and do away with NO-fault?  What is it that makes Michigan need catostrophic coverage (MCCA) when 49 other States do not find a need for it?

  • 10-14-2011 10:56 AM In reply to

    Re: 2011 House Bill 4936 (Allow less than unlimited PIP insurance )

    Kelly:

     Michigan is THE only State which mandates catostrophic coverage (MCCA).  Michigan is but one of twelve States which still have NO-fault insurance.  Michigan is THE most expensive State for motor vehicle insurance in the Nation.  Thirteen States did away with NO-fault insurance because it does not work!  Just what is so different about Michigan that makes it impossible to follow the example set by 38 other States and do away with NO-fault?  What is it that makes Michigan need catostrophic coverage (MCCA) when 49 other States do not find a need for it?

     

     Well Kelly, the insurance lobby has run this state for almost 40 years now! Therefore the insurance lobby here is stronger than in any other state. Why do you think Michigan is the only state in this part of the country that STILL has a helmet law? The closest state to Michigan with a helmet law is New York, not exactly a state you want to model yourself after. Unless, of course, you like high taxes and burdensome government regulation!

    In 1973, Michigan created the no-fault system. This bad bill of goods (much like Obamacare) was sold under the guise that everyone would be covered and the cost would be affordable for everyone. But all it did was give the insurance companies seemingly unlimited power and influence in Lansing. Whatever bill they want passed, gets passed. Will of the people be damned! But the unlimited coverage cost is getting out of control. So, I believe, they now want to replace MCCA with a fixed dollar amount in coverage. I do like the fact that we can choose the amount of coverage. Hopefully the cost will go down accordingly, but that is probably just a pipedream.

  • 12-04-2011 6:00 PM In reply to

    • Jul
    • Top 500 Contributor
    • Joined on 12-04-2011

    Re: 2011 House Bill 4936 (Allow less than unlimited PIP insurance )

    My husband Bill was involved in a serious auto accident where as the driver was killed on scene and Bill hardly had

    a pulse and was thought not to make it to the hospital. He had suffered as severe closed head injury, lost vision in 1

    eye and many fractures. Bill was taken to Alpena General Hospital and was in a coma for 11 days, he therefore

    because of no trauma center in Alpena Bill was transferred to Hurley Medical Center in Flint where he stayed for 2

    months undergoing numerous therapies. He was later taken to residential inpatient therapy at Hope Network in East

    Lansing he was then in outpatient therapy in Flint at Theracare. Bill has come a long way since that horrible night on

    August 30 1998 but still requires ongoing care and supervision. He still sees a psychologist for mental issues, a

    psychiatrist for meds and a rehabilitation doctor for his ongoing pain. Winters are very bad for him so he needs all

    the help he can get and thanks to Michigan No Fault he can receive the ongoing care he deserves. I am Bill’s wife

    and caregiver therefore cannot work outside the home and very grateful for No Fault to pay me to cover some of

    Bill’s costs for ongoing care. I don’t know what we would have done or what we would do now without No Fault

    insurance. My brother is living in Wisconsin and received a broken neck from and auto accident and he can’t get the

    help he needs to recover it’s too bad more states don’t have No Fault insurance, it saves a lot of lives. The bad thing

    is that he and his wife are both from Michigan. It doesn’t cost a lot to have Michigan No Fault but it does cost a lot

    if you don’t.

  • 12-04-2011 6:01 PM In reply to

    • Jul
    • Top 500 Contributor
    • Joined on 12-04-2011

    Re: 2011 House Bill 4936 (Allow less than unlimited PIP insurance )

    “If not for the Auto No-Fault Law, I would be a vegetable because my family would not have been able to

    afford nearly the rehabilitation that I needed. As it is, I thank God every day that I am alive.”

    Justin was 19 years old when he was injured in an auto accident while on his way home from work. He was a

    volunteer firefighter, and was rescued by firefighters and EMS from his own jurisdiction, as well as other emergency

    crews. He was taken to the hospital where he remained in a coma for over two weeks, and then he eventually began

    rehabilitation and remained in the hospital for two months in all. Through Occupational Therapy, Physical Therapy,

    and Speech Therapy in the hospital, Justin began to re-learn how to walk, talk, eat, and complete activities of daily

    living, among other tasks, as he slowly healed from a severe traumatic brain injury. Justin moved from the hospital

    to a Post-Acute Rehabilitation Facility in East Lansing, Michigan, where he continued with the therapies he was

    receiving in the hospital, and also added Vocational and Recreational Therapy, as well as other services. He lived in

    the Post-Acute Residential Facility for 4 months before moving home with his family. Since moving home in

    January of 2005, Justin has continued to receive Outpatient Therapy, currently including Recreational and

    Vocational Therapy, as well as Psychology and Psychiatry. For the last two years, Justin has worked for a golf

    course in the spring and summer months, completing various maintenance and service tasks, and he has very much

    enjoyed this opportunity that was coordinated through his Vocational Counselor. He has also enjoyed re-integrating

    into the community through Recreational therapy activities, especially including bowling and working out at the

    YMCA. Justin and his family are very thankful for the opportunity that Auto No-Fault has provided him to live.

  • 12-04-2011 6:06 PM In reply to

    • Jul
    • Top 500 Contributor
    • Joined on 12-04-2011

    Re: 2011 House Bill 4936 (Allow less than unlimited PIP insurance )

    Faces and

    Stories

    of Traumatic Brain Injury

    Read more by looking up:  www.CPAN.us

  • 12-04-2011 6:39 PM In reply to

    • Jul
    • Top 500 Contributor
    • Joined on 12-04-2011

    Re: 2011 House Bill 4936 (Allow less than unlimited PIP insurance )

    FOR ALL MICHIGANDERS WITH AUTO INSURANCE....THIS IS IMPORTANT...............
    PLEASE BY ALL MEANS TAKE THE TIME OUT (IF YOU LIVE IN MICHIGAN) TO READ MY VERY IMPORTANT POST. PLEASE BE SURE TO LOOK UP THE WEB SITES SO THAT YOU CAN UNDERSTAND THIS BILL. PLEASE PASS THESE POSTS ON TO OTHERS SO THAT WE CAN ALL JOIN TOGETHER TO NOT LET THIS BILL PASS!!!! THANK YOU SO VERY MUCH. YOU WONT BE SORRY BY LETTING YOUR VOICE BE HEARD. PLEASE HELP ALL OF MICHIGAN. SHARE YOUR STORIES IF YOU WOULD LIKE TO. I AM ALWAYS WILLING TO LEND A HAND WHERE I CAN.

  • 12-04-2011 7:13 PM In reply to

    • Jul
    • Top 500 Contributor
    • Joined on 12-04-2011

    Re: 2011 House Bill 4936 (Allow less than unlimited PIP insurance )

    TO ALL SENATORS, AND REPRESENTATIVES OF MICHIGAN:  PLEASE VOTE NO ON HOUSE BILL 4936!!  IT IS VERY IMPORTANT FOR ALL OF YOU TO REALIZE THAT THIS INVOLVES YOU, YOUR FRIENDS, AND YOUR FAMILIES.  HOW DO YOU KNOW IF, AND WHEN YOU WILL BECOME DEPENDANT ON THE PIP INSURANCE?  YOU DON'T KNOW......THAT'S JUST IT!  IF YOU LET THIS BILL PASS YOUR ARE NOT ONLY HARMING OTHERS, BUT YOU ARE PUTTING YOURSELF AND YOUR LOVED ONES IN POSSIBLE HARMS WAY AS WELL!  I NEVER THOUGHT IT WOULD HAPPEN IN MY LIFE, BUT I HAVE A HUSBAND, AND AN ADULT SON LIVING WITH ME THAT HAVE BEEN IN CATASTROPHIC AUTO ACCIDENTS THAT HAS LEFT THEM DISABLED FOREVER.  THESE ACCIDENTS HAPPENED AT DIFFERENT TIMES, SO I KNOW FIRST HAND!!!!!!! IF IT WERE NOT FOR THE AUTO NO-FAULT THEY WOULD NOT BE RECEIVING THE CARE THAT THEY ARE RECEIVING IN ORDER TO HAVE A BETTER QUALITY OF LIFE THAN THEY WOULD HAVE HAD IF IT WERE NOT FOR NO-FAULT.  SHOULD ONE OF YOU BECOME INVOLVED IN AN ACCIDENT, DO YOU REALLY WANT TO WORRY ABOUT YOUR FAMILY LOSING THEIR HOME, OR DECLARING BANKRUPTCY JUST TO PAY FOR THE INJURY CARE THEY NEED, OR YOU MAY NEED?  IF YOU ALLOW THIS BILL TO PASS YOU WILL BE PUTTING YOURSELF INTO A POSITION TO PAY MORE FOR A SMALL AMOUNT OF LIMITED INSURANCE COVERAGE FOR A SERIOUS INJURY.AND BE FORCED ONTO WELFARE PROGRAMS TO PAY FOR YOUR CARE WHICH WILL COST STATE TAXPAYERS MILLIONS OF DOLLARS EACH YEAR.  THINK SMART AND JUST VOTE NO AND YOU CAN FEEL GOOD ABOUT SAVING MANY PEOPLES LIVES.  

  • 12-07-2011 7:32 AM In reply to

    Re: 2011 House Bill 4936 (Allow less than unlimited PIP insurance )

     Just once, just for fun, let's have our elected officials visit a care center for persons whom are permanantly disabled due to a car accident. I'm just sick to death of people sitting behind a desk, making decisions for people who they never meet, never hear their stories. My daughter works caring for these people, while working her way through college. She has seen people who have been in care their entire life. The parent was killed in the accident and the child was left permanantly didabled. No family members stepped up to care for this child. Where would he be if these limits on coverage are but into place. Yes car insurance is expensive. Thank God no one in my family has been injured in an accident. But where is the compasion for fellow man. I'm just sick of the lack of care we have for one another. I think we should take a closer look at the fraud side of car insurance. How many neck collers must we see?

  • 12-08-2011 12:41 PM In reply to

    Re: 2011 House Bill 4936 (Allow less than unlimited PIP insurance )

     The other 38 states need to re-form and have the type of No-Fault insurance Michigan has. This has changed in the other states because most people do not realize the type of coverage it provides. Other states lawers and insurance companies are getting richer without the no- fault, and the critically injurred suffer with poor coverage if any. I am a witness to other families in other states suffering, loosing homes and families falling appart due to a catastrophic accidents they cannot afford. Michigan is the only state that is still providing necessary coverage for drivers. Your regular health insurance has a cap, and has fine print writing that kicks you out of a hospital and puts you in a nursing home, if the "necessary improvements" are not seen. If you are critically injured in a vegatitive state, and the hospital chooses not to releive the pressure off of your brain, and you are on a resperator and in diapers, the hospital will put you in a nursing home at any age. That's one nurse to 10-20 patients. Do you really want this if something bad happens to you or someone you love? This is what almost happened to my 17 year old daughter, and it would have if we did not have the Michigan No-Fault coverage. She was trapped in her body and could not respond, yet she could hear and feel everything. I have learned alot since my daughters accident and for the amount we pay out for the coverage per year in auto insurance, its the BEST money drivers spend that can give peace of mind and comfort if anything happens to someone you care about or yourself.

  • 12-28-2011 5:43 AM In reply to

    Re: 2011 House Bill 4936 (Allow less than unlimited PIP insurance )

     Should this bill be passed it is not only those who require long term care that will be hurt but the workers that take care of them. In the current economic state that Michigan is in, does it really make sense to cut jobs to home health care workers which will just increase unemployment and the amount of people on public assistance? Some people may say that these workers can just apply to the nursing homes that will be rapidly filling with people forced to use medicaid/medicare (which already has issues and is strained). However the fact is that home care workers are not required to have a CENA (certified and evaluated nursing assistant) which requires classes and nursing homes do. Also I have worked in healthcare for 20 years and I have seen the amount of bed sores and diseases that peole get while in homes which of course will be charged to medicaid. I personally have seen people die from being immune deficient and stuck in places like that. Is this just aother form of euthanasia for disabled people on behalf of corprorate America and the governnent? If this bill passes I and my 3 children are out of luck as are all the quads, paras, and TBI's caused by car accidents. The miniscule savings on your car insurance bill is not worth the risk. In all reality, the only ones that are getting anything out of this bill is the insurance companies and I suspect the politicians who are uninformed or recieving kick backs from said insurance companies.

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  • 03-22-2012 11:27 AM In reply to

    Re: 2011 House Bill 4936 (Allow less than unlimited PIP insurance )

    Indeed, why should people pay for mandatory catastrophic coverage when most of what people change in their cars on an ordinary basis are the headlights. I mean for those car owners who don`t cause incidents or keep away from being involved in incidents. Indeed, insurance regulations are too hard on drivers in Michigan. We can only hope one day the state will decide to take the example of the other states that got convinced of the financial strain they are putting on citizens.
  • 03-22-2012 1:52 PM In reply to

    Re: 2011 House Bill 4936 (Allow less than unlimited PIP insurance )

     Michigan is the ONLY state that has this. And (not coincidentally) we also have the highest rates in the nation! And (also not coincidentally) one of the highest uninsured drivers rates in the nation. 20% of Michigan drivers are uninsured, 40% in Detroit! Whatever the other 49 states are doing seems to be working. Although I think a good compromise would be to allow the option of having or not having unlimited coverage. I have to admit that having unlimited coverage is nice to have if you need it, but I still favor having the FREEDOM to decide for yourself what's best for you. That's the beauty of the free market and living in a free country!

  • 09-15-2012 5:43 PM In reply to

    Re: 2011 House Bill 4936 (Allow less than unlimited PIP insurance )

    I do not see being able to drop this coverage down is not good at all. This coverage is so important to car insurance. This would not be good to pass at all here. L'Académie Westboro
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