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.

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 for bankruptcy due to medical bills had health insurance at the time of their injury.

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 lifetime 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 under-compensated and waiting for whatever they are able to collect.

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?