Choices vs. Pandering

There was news out of Detroit yesterday that an effort is now underway to put an issue on the Michigan ballot in November regulating auto insurance.

As the Detroit News reported:

Insurance reform advocates plan to launch a petition drive today to reform car insurance rates for Metro Detroit motorists.

The Alliance for the United Metropolitan Detroit is seeking signatures to get car insurance reform on the Nov. 2 ballot.

"Insurance rates are out of control," said Tommie Summerville, the alliance's chairman. "Most people can't pay for their policies. If you buy a new car, your monthly insurance payment for it is either equal or more than the car note."

Earlier this year, we posted an op ed here at DFS, also printed in the Detroit News, detailing why the proposed ballot issue was less about savings and more about pandering.  It talks about how his proposal would not reduce but instead would only increase cost drivers through the loss of discounts and the potential for more frequent lawsuits. Ultimately, the initiative would increase insurance costs for all Michigan insurance consumers.

So here's the question (naive maybe):  Why pander when you have a plan available that truly empowers consumers to save?

Michigan drivers deserve to have options. With the Drivers for Savings Solution, drivers would be able to choose between paying for unlimited medical coverage if they want, or select more affordable coverage. This choice would mean more drivers could afford insurance and fewer people would be forced to break the law and drive with no insurance.

All that and no costly ballot issue required.