Over 200 million Americans have a driver’s license. We’ve built a culture around the use of the automobile, but very few people know the true risks of driving. Every day, about 800 people will suffer a traumatic brain injury (TBI) in an auto accident. TBIs can limit your ability to walk, your ability to speak, your ability to see, and even your ability to think. The brain is extremely complex and a traumatic brain injury can impact dozens of your normal brain functions. Spinal cord injuries (SCI), which result in paralysis of the accident victim, also occur every single day. Spinal cord injuries are drastic impairments of human physiology because the spinal cord is the pathway for the messages of the brain through the nerves to the other parts of the body. As such, spinal cord injuries can affect more than just a person’s ability to use all of his or her limbs. An SCI can prevent a person from being able to breathe on their own, properly regulate their own body temperature and cause loss of bladder and bowel control. Many times, an accident victim who suffers a spinal cord injury also suffers a traumatic brain injury.
The only state that has the resources to properly care for these people is Michigan. Michigan has a unique no-fault automobile insurance model that provides unlimited medical benefits for life for an accident victim’s care, recovery and rehabilitation. Every other form of insurance, from every other state, leaves their citizens who suffer catastrophic injury in neglect. Each has some combination of strict rehabilitation requirements, limits on visits, exemptions, and high copays or deductibles that prevent access to necessary care. By using language like “significant measurable improvement,” as is used in Medicaid, injured people are denied rehabilitative therapies which would help them to maintain their quality of life. Sadly, many of these patients and their families are forced to spend out of pocket for their care, which can be incredibly expensive and force them into bankruptcy. According to a Harvard Medical School study, 60% of bankruptcies are due to unpaid medical bills, making them the leading cause of bankruptcy in the United States.
Fortunately, there is a solution to the lack of care and the resulting bankruptcies in every state – and that solution is the adoption of the Michigan no-fault model. The NeuroTrauma Association was formed to help share what has been referred to by many as the “finest model in America” for auto insurance. The NTA is a professionally led, but consumer-friendly and survivor/family informed organization which strives to help TBI/SCI survivors and their families. Please explore our website to find out vital information about how we can help you bring the Michigan model to your state. We fully understand the life altering experience brought on by catastrophic injury and see the opportunity for this model to truly serve the needs of injured people.