The Solution

The Drivers for Savings Solution is all about:

• Choice — Michigan’s one-size-fits-all insurance mandate denies drivers choice between different and more affordable levels of Personal Injury Protection (PIP) coverage.
• Affordability – The current system is breaking down and will soon become unaffordable for even more drivers.
• Responsibility – Drivers have a right to make personal, responsible choices when spending their money to purchase auto insurance.

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.

Here’s how choice can make the difference:
A person paying $2,000 for full coverage in Michigan is given and makes the choice of purchasing $50,000 in PIP coverage in his/her insurance premium. With the average savings of 15 percent that comes with $50,000 of PIP coverage, the insured driver’s total cost is cut to $1700.

That’s a savings of $300!

State lawmakers can deliver these savings, and they should.