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News and Events

The Latest News from Eisenhower Center

Oct
25
2017

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.”


Sep
28
2017

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

 


Sep
6
2017

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.


Jul
25
2017

Client Engagement is the Best Rehabilitation

Summer is always a busy time for us here at Eisenhower Center in southeast Michigan, and this July has been no different. This past weekend we supported the Brain Injury Association of Michigan (BIAMI) at the Ann Arbor Art Fair by giving away cooling neck-wraps made entirely by our clients as a vocational opportunity. Through the effort of these dedicated clients and a handful of volunteers from Eisenhower who braved the heat and humidity, we were able to raise over $600 for BIAMI! All while educating the public about heat stroke as a form of brain injury, and providing a much love fashion accessory to children and adults of all ages.

Our amazing recreation department also took our clients into the community for a round of golf. What was different about this outing? We were able to utilize specially adapted equipment allowing individuals with mobility limitations to engage in a way not possible before. All the clients who went out had a blast and we were happy to provide the opportunity. Eisenhower Center is always looking for new ways to adapt every-day activities for injured individuals who are working to get back to pre-injury activities.

Eisenhower Center also went out to support Congressman Tim Walberg (MI-07) at the Monroe County Veterans Claims and Resource Fair. The purpose of this non-partisan event was to work with Veterans Benefits Administration and Health Administration staff to check veteran eligibility, to assist veterans with benefits enrollment, and to educate them about various services offered to aid them. Eisenhower Center was proud to be at the event and to support vets.

 

Lastly, it’s important to work hard, but it’s also important to have some fun. So, in an effort to beat the heat, we had…water wars!!! Eisenhower Center staff and clients all had squirt guns and water balloons and – safely – engaged in some summer fun.  The picture below shows some of the fun everyone involved had.

 


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