auto insurance

A new law takes effect Wednesday that allows drivers to opt out of personal injury coverage in their auto insurance.

Drivers still have to carry liability coverage -- but now can choose how much medical coverage to buy.

Before now, state law required insurers to provide unlimited medical benefits if someone was injured in a crash.

Michigan drivers who want unlimited lifetime coverage for crash injuries will pay $100 per vehicle starting in July - a reduction from the $220 they are assessed now.

The Michigan Catastrophic Claims Association announced the 55% fee cut on Wednesday, months after the passage of a new law making the mandatory benefit optional beginning next summer.

A lawsuit contends that some changes made to Michigan's auto insurance law are unconstitutional.

The complaint filed Thursday in Ingham County Circuit Court challenges two provisions of bills that Democratic Gov. Gretchen Whitmer signed in May and June.

Thousands rallied at the state Capitol Wednesday against Michigan’s auto insurance law.

Governor Gretchen Whitmer signed sweeping changes to the law in May. This ended the requirement that everyone have unlimited, lifetime medical benefits for catastrophic car accidents.

Attorneys who handle accident claims say Michigan's new no fault law has implications for pedestrians and motorcyclists - and could be especially bad for motorcycle riders.

Brandon Hewitt is COO of Michigan Auto Law.

He says motorcyclists injured in a crash with a car can't make a claim on their own car insurance if they are injured.

They can claim only what the car driver's insurance pays out. 

Governor Gretchen Whitmer signed a law today to roll back the rates paid by drivers for personal injury protection in their auto insurance.

The savings would come by capping medical benefits that are currently unlimited. The governor and the Legislature’s Republican leaders acknowledged the negotiations were difficult. But Whitmer says the experience could set a pattern for other bargains.

Some Democratic state legislators and car accident victims are lashing out at Governor Gretchen Whitmer’s support for legislation that changes Michigan’s car insurance system, calling it a betrayal of principles Whitmer had vowed to defend.

The Michigan Legislature is holding a rare Friday session as negotiators make progress on a deal for changes to the state's auto insurance laws.

Gov. Gretchen Whitmer and Republican legislative leaders have been trying to cut a deal in closed door talks.   

A Republican Senate caucus spokeswoman says progress is “progressing."

Some Democratic state legislators from across Michigan are forming a coalition to push for an alternative version of changes to car insurance.

Calling themselves the “Real Deal” caucus, the legislators say current Republican bills jeopardize accident victims’ access to health care, and do little or nothing to address excessive rates, or eliminate the use of non-driving factors like credit scores to set rates.

The state Legislature’s Republican leaders say they will delay sending bills to Gov. Gretchen Whitmer to change Michigan’s auto insurance system.

Republicans were poised to send the bills to Whitmer’s desk despite her vow to veto them, but Republican leaders say they’re still hopeful a deal can be reached that’s acceptable to all sides.

Governor Gretchen Whitmer says she will veto either of the plans Republicans in the Legislature have rolled out to deal with the high cost of auto insurance in Michigan.

Whitmer says she will only accept a plan that rolls back rates immediately, and relies on driving records to set rates, not where people live.

The Democratic governor also says the Republican bills should make the rollbacks permanent.

Updated: Thursday, May 9 at 6:30 a.m.

The Republican-led state House early Thursday approved an overhaul that would let people opt out of mandatory unlimited medical coverage for car crashes. The Senate passed a plan earlier this week.

The state's insurance regulator will review how auto insurers use non-driving factors to set rates.

On Wednesday, Gov. Gretchen Whitmer ordered the Department of Insurance and Financial Services to determine whether it's legal for car insurance companies to use education, credit scores and other non-driving factors when setting rates.

Whitmer also directed the department to look at how auto insurers price policies when medical coverage is coordinated with drivers' health insurance.

Michigan has two intertwined problems when it comes to car insurance rates, according to a new University of Michigan report: overall high premiums that place the biggest burden on the poorest communities.

State lawmakers are once again considering changes to Michigan’s auto insurance laws.

But it’s a battle they’ve been losing for years.

When asked Thursday to identify his top legislative goal, Senate Majority Leader Mike Shirkey (R-Clarklake) said reforming Michigan no-fault auto insurance law.

But he’s quick to admit overcoming the medical and legal lobbies will be difficult.

Plans to change Michigan’s auto no-fault law will likely not make it to the governor’s desk this year. Lawmakers in the state House have been considering taking up the issue – and they still might. But with only days left in this session, the Senate is unlikely to follow suit.

In nearly every state, your credit score impacts how much you pay for car insurance.

But according to a new report from insurancequotes.com, it matters more in Michigan than anywhere else.