General Questions (14 entries)

• What would the Drivers for Savings proposal do?
  Very simply, it would empower people by giving them the choice of either staying with the unlimited medical coverage they have today or selecting a more limited and less expensive level ...
• Specifically, what levels of coverage will drivers have to choose from?
  If consumers made no choice, they would continue to get the same unlimited personal injury protection they have today, but if they decided another level of coverage was better for them, ...
• How much will the typical driver save under this proposal?
  For the average driver in Michigan, removing the government mandate that they purchase unlimited Personal Injury Protection benefits and giving them a choice in the level of insurance they want to ...
• Why are you pushing this plan now?
  We just saw a similar situation in Florida where the entire state no-fault insurance system fell apart, and the governor and legislature were forced into a special session to fix it. ...
• Don’t most states have no-fault insurance laws just like Michigan?
  No. Only 12 out of 50 have no-fault laws. Plus, four other states have repealed their no-fault insurance systems in recent years.
• Of those 12 no-fault states, how many have government-mandated, unlimited medical benefits?
  Only one: Michigan. In fact, no other state even offers unlimited benefits, and Michigan is the only state to require drivers to purchase unlimited coverage.
• Wasn’t something like this tried in 1993 by voter referendum and it failed. Is this plan the same thing or how is it different?
  The ’93 referendum limited the choices of consumers by putting a hard cap of $1 million on the level of coverage they could purchase. The Drivers for Savings Solution has no ...
• Does this proposal deal with territorial rating?
  No. While there are many ideas on ways to reduce the cost of auto insurance, the Drivers for Savings Solution is focused on giving drivers a choice in the level of ...
• Why doesn’t the legislature just put a fee schedule for medical services into effect? Wouldn’t that cut costs and solve the problem?
  It would help, but it would not be the answer to the problem. Rising medical costs are no doubt a factor in the cost of insurance, but putting a fee schedule ...
• Why are insurance companies backing these proposals?
  Drivers for Savings is more than just insurance companies. It is a coalition of groups and individuals who all recognize that providing people with choices that can save money and protect ...
• What happens if someone chooses a smaller level of coverage but then is severely injured in an accident?
  The reality is that this happens every day with drivers in the 49 other states. Across America, drivers utilize other available health insurance, personal resources or government assistance such as Medicare ...
• I want to keep unlimited coverage. What do I have to do?
  Nothing at all. The Drivers for Savings Solution would require drivers to proactively choose a different level of coverage. If a driver doesn’t pursue the choice, current benefits and coverage will ...
• Why give drivers a choice?
  First, with choice comes savings – savings for drivers and savings for the system overall. Second, many drivers are making a choice right now. Because the state requires all ...
• Are there other states that have implemented successful auto insurance policy reforms?
  Yes. Colorado drivers have saved hundreds on auto insurance since the state changed its auto insurance system about five years ago. This policy is proven not only to allow drivers lower ...