Protection through No-Fault Automotive Insurance - A passion for creating change

Popular FAQs

What risks are involved in driving an automobile that I may be unaware of?

Unfortunately, 800 people will sustain a traumatic brain injury every day as a result of an auto accident. To make things worse, 24 people will sustain a spinal cord injury. These injuries are life changing and require the proper medical equipment and services to maximize the quality of life to these people, and Michigan has the system to help deliver.


Do people really go bankrupt from medical bills?

According to a Harvard Medical School study, unpaid medical bills are the leading cause of bankruptcy in the United States, causing 60% of bankruptcies filed. Almost 80% of the people who filed bankruptcy due to medical bills had health insurance at the time of their injury.

How is this different from my state?

Depending on your state, there are two basic types of models used outside of Michigan. Some states have “no-fault” insurance in a sense, but none of them have the unlimited personal injury protection benefit. We specifically advocate for the adoption of the Michigan model because it covers what the injured person needs, not imposing strict limits on care. Florida, for example, currently offers a no-fault policy that covers $10,000 in medical benefits and while this may sound helpful, it might not even cover a person’s transportation to the hospital. Other states have “tort” systems in which people sue each other to compensate for damages and recover funds to get treatment. Tort can unfortunately leave a catastrophic accident victim undercompensated and waiting for whatever they are able to collect.

Why do you say this is the best insurance policy in the country?

Michigan has the only system that provides catastrophic accident victims with all of the medical products and services they need to optimize their quality of life. Every other system, from every other state limits access to care through strict rehabilitation requirements, limitations on visits, and/or high copays and deductibles. If a person is able to purchase a less expensive policy, but it doesn’t cover even half of what he needs, where’s the value?

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Share Your Story

In November of 1983, I was involved in a single vehicle accident. That night my life was changed in a split second. It is not something that you plan.

After my accident, I was lying in the intensive care unit while my parents were frantically trying to gather money and reorganize their finances to pay for my care, which would have completely bankrupted them. Thanks to the medical coverage that I received from Michigan's no-fault law, I am not a burden to my family. Although there were still some changes to our lives because of my catastrophic injury, the monetary burden of care was eased considerably.

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Supporters and Advocates

  • Susan Connors

    Susan Connors

    President of the Brain Injury Association of America

    Susan H. Connors is president and chief executive officer of the Brain Injury Association of America (BIAA), the nation's oldest and largest advocacy organization representing individuals who have sustained brain injuries, family caregivers, and professionals across the USA. Connors has been a leader in the field of brain injury for more than a decade...

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Every day, 800 people suffer a traumatic brain injury and 24 people suffer a spinal cord injury in auto accidents.

Unpaid medical bills are the
leading cause of bankruptcy in the US.

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