We're here to help. Call us today.

News and Events

The Latest News from Eisenhower Center


CPAN Summary Analysis of HB 5013 + Call for Action

Last week Thursday, HB 5013 passed out of committee and now sits on the House floor for a vote.  This bill, which the CPAN legal team has labeled “the end of no-fault as we know it”,  will likely be brought up on the floor for a house vote this week, with a second reading on Wednesday and vote on Thursday.  Mayor Duggan, and a number prominent Detroit Business men and corporations are working hard to advance this bill as well as members from the Michigan Chamber. THE TIME IS NOW TO TAKE ACTION – YOUR VOICE MATTERS.
You are strongly encouraged to join us at the Capitol and voice your opposition to this legislation that would authorize unprecedented dollar cap limitations on no-fault benefits, give insurance companies substantial control over patients’ medical care; greatly increases the power of the insurance companies while taking legal rights away from patients; and offers temporary premium rate reductions if any. A strong showing of folks opposing this bill outside the house floor both days is important.  Anticipate two long afternoons especially on Thursday.  Session on Thursday starts at noon.
CPAN has arranged for a place to meet, receive a short update, gather materials and have lunch across the street from the House Office Building at the Central Methodist Church basement, 215 North Capitol from 11:00 AM until 2:00 PM on Wednesday and from 10:00 AM until 2:00 PM on Thursday.  Salad, pizza and beverages will be provided by CPAN on  Wednesday at about 11:45 AM.  Lunch on Thursday will be ready about 11:00 AM prior to the start of a noon House session.

Here is a link to the Statement CPAN released last Thursday following the committee vote. Also attached is a copy of CPAN’s Analysis of the H-1 version of the bill.   http://www.cpan.us/docs/10.26.16_CPAN_Release_Top_5_Things_About_5013_FINAL.pdf


New Legislation Will Make Michigan Auto Insurance More Fair and Affordable

House Bills 5101-5111 include medical cost-containment requirements, bans on unfair auto insurance rating practices and fraud prevention measures

LANSING, MI – A framework of bills, dubbed the “Fair and Affordable No-Fault Reform Package”, was introduced last week that provides a clear alternative to the reforms being pushed by Detroit Mayor Mike Duggan, House Speaker Tom Leonard and the insurance industry. The legislation is among the most comprehensive auto insurance reform packages to be introduced in the past 10 years.

The effort to announce House Bills 5101-5111 is being led by Representatives Frederick (R-Owosso), Webber (R-Rochester), Lasinski (D-Scio Township) and Gay-Dagnogo (D-Detroit), with every bill having bipartisan cosponsors.

he legislative package also includes two previously introduced bills. House Bill 4672, introduced by Rep. Joe Graves, creates a fraud authority designed help lower rates by cracking down on auto insurance fraud. House Bills 4049, sponsored by Rep. Patrick Green, will bring more transparency to Michigan’s auto insurance system by requiring the Michigan Catastrophic Claims Association to publicly disclose the actuarial calculations used to set the annual fee it charges to every insured vehicle in the state (currently $170 per vehicle).

“These bills provide a great framework for making lasting improvements to Michigan’s no-fault auto insurance system. While we are still analyzing the language of the recently introduced bills, we believe this package offers the best opportunity to make auto insurance more fair and affordable for every single driver across the state,” said CPAN President John Cornack. “There are many factors driving Michigan’s high auto insurance rates, including fraud, unfair insurance company pricing practices, increasing medical costs and inefficient billing practices. These bills go a long way toward addressing each of those issues.”

The Fair and Affordable No-Fault Reform package includes:

  • A ban on on-driving rating factors, including credit score, gender, occupation and education level, from being used to determine auto insurance rates.
  • A fee schedule set at 185 percent of Workers Compensation for all medical providers treating auto accident victims, with cost-of-living adjustments. Level 1 and 2 trauma centers would not be subject to the fee schedule. The fee schedule legislation will also streamline the claims process, improve fairness, and reduce costs and improve efficiency by requiring electronic billing between providers and insurance companies.
  • A $15 per hour rate schedule for family-provided attendant care, with allowable waivers to ensure fair compensation for certain patients whose disabilities and needs justify more skilled care. The bill also ensure patients who require 24/7 care will have access to it.
  • The creation of fair standards and qualifications regulating physicians who conduct independent medical exams when requested by insurance companies.
  • Bill language to strengthen an existing law requiring that auto insurance premiums are “appropriately reduced” for any consumer buying policies that coordinate auto and health insurance coverages.
  • Crucial fixes to Michigan court cases that have had a detrimental impact on auto accident patients and health care providers who treat them:
    • Admire Fix – Mitigate the unfairness of the Admire vs. Auto Owners decision, which has been used by insurance companies to deny paying legitimate expenses needed by catastrophic auto accident victims, including handicap accessible transportation and barrier free accommodations.
    • Bahri Fix – Mitigate the unfairness of the Bahri vs IDS Property Casualty Insurance Company decision, which allows insurance companies to void an entire policy for any claims containing errors that the insurance companies claims are fraudulent.
    • Bazzi Fix – Re-instate the innocent party rule, which was overturned in the Bazzi vs Sentinel Insurance Company case, thereby protecting innocent third party claimants who did not participate in fraudulent procurement of a policy.

In addition, two final bills are expected to be introduced today to complete the Fair and Affordable No-Fault Reform package. They include:

  • A solution to allow senior citizens to lower their rates by ensuring Medicare and auto insurance are not providing duplicate coverage for an auto accident.
  • A Covenant Fix – This legislation will resolve issues created by the problematic ruling in Covenant Medical Center vs. State Farm, by restoring medical providers’ legal right to sue insurance companies who fail to pay for a patient’s care and related expenses.

“Some auto insurance companies are charging women as much as 30 percent more just because of their gender. Others charges hundreds of dollars more per year because they have a less-prestigious job title, so stopping insurers from using unfair rating practices should dramatically reduce rates by itself. Add on the fraud prevention and other cost containment measures and those things will add up to some very real and meaningful savings for Michigan drivers,” said Cornack. “We are urging all Michigan lawmakers to support this bill package and move it through the legislative process as quickly as possible.”


Way Too Many Faults in Mayor Duggan’s No-Fault Reform Proposal

In the past two weeks, two competing auto insurance reform proposals have been announced in Lansing. While both proposals have some level of bipartisan support and both seek to address fraud and rising medical costs to treat accident victims, there are some significant differences that will impact all stakeholders in Michigan’s no-fault auto insurance system. Look for a more comprehensive legal analysis of the Duggan Bill HB 5013 soon from the Coalition to Protect Auto No-Fault. For more information on the Duggan bill, and the CPAN sponsored alternative, please visit the link below:

Way Too Many Faults in Mayor Duggan’s No-Fault Reform Proposal



Come visit our booth at the 2017 BIAMI Fall Conference!







Join us September 14th & 15th for the 2017 Brain Injury Association of Michigan Fall Conference!

New to advocacy?

The Brain Injury Association of Michigan’s Annual Fall Conference, held in conjunction with the Michigan Brain Injury Provider Council, is the largest of its kind in the country. It averages over 140 exhibitors and over 1,500 attendees each year! We hold this event with the purpose of providing state-of-the art information about brain injury treatment and therapies, which will maximize rehabilitation and foster a good quality of life. The conference is designed to benefit therapy providers with their patients, as well as caregivers and brain injury survivors.

For more information, call the Brain Injury Association of Michigan at (810) 229-5880.

Back to Top