We oppose assessments on individual insurance policies for costs not directly related to the coverage provided to the individual purchaser of that insurance. This further increases the cost of insurance and is a hidden means of taxation.
We support the principles in Michigan's no-fault insurance law that allow people injured in automobile accidents to receive economic compensation more quickly and equitably.
We support the following improvements to no-fault insurance:
- A realistic cap on Personal Injury Protection (PIP) benefits.
- Optional limits of PIP coverage (e.g., medical, wage loss, economic damages).
- Using a schedule for medical and PIP benefits, like the workers' compensation fee schedule.
- Better defining "injuries arising out of the ownership, maintenance or use of an automobile."
- Requiring motorcycles to comply with the same rules as automobiles and trucks.
- Place limits on attendant care.
We support legislation improving no-fault insurance, reducing the cost of auto insurance, and passing the majority of savings on to the consumer.
We oppose legislation attempting to equalize auto insurance rates. Additionally, we will not support auto insurance rollbacks unless they are offset by reforms that reduce costs.
Michigan's no-fault insurance law provides that drivers having accidents or tickets can be charged more for automobile insurance. To ensure that proper insurance premiums are charged, we support improved accuracy of the Secretary of State's accident/violation records.
The Michigan Auto Insurance Placement Facility, which insures high-risk drivers, should be fully self-funded.
Uninsured motorists increase costs to law-abiding citizens. We recommend increased law enforcement and an increase in fines and impoundment of the vehicle for uninsured motorists.
We urge the exploration of methods to change the collections for the Michigan Catastrophic Claims Association Fund to ensure equity amongst motorists.