Kline Legal Group P.L.C.

Michigan Auto Insurance Coverage

There are two sides to every argument, so when it comes to looking at Michigan's Automobile Medical Insurance, there are those who think it should be reformed and those who think it should stay how it is. Currently, Michiganders are required to pay for unlimited lifetime benefits.

Those who think the insurance program is fluky have a strong argument. According to an opinion article in Sunday's AnnArbor.com paper written by Pete Kuhnmuench, Michigan has the highest mandated auto insurance medical benefit in the country. The op-ed also makes the argument that Michigan is the only state which "mandates unlimited, lifetime medical benefits."

Recently House Bill 4936 was introduced which would "allow consumers to choose the level of medical benefits that best fits their own needs." However, this is where the two viewpoints on Michigan's mandated auto insurance medical benefits differ.
The side opposing this bill, identifies that this bill only hurts Michigan's drivers. In another recent op-ed in AnnArbor.com's Sunday paper by John Cornack, he said that the House Bill "caps personal injury protection benefits as low as $500,000, puts price controls on health care providers, and limits in-home care for the most severely injured drivers." In Mr Cornack's view, the bill would merely shift costs from insurance companies onto others such as hospitals and individuals.
In all, removing the auto insurance medical benefit mandate in the state of Michigan would give consumers the choice of what kind of coverage they want but it would also be at a cost to those individuals. Removing the mandate would not make this insurance cheaper and in the long run, if someone was injured and had to pay over $500,000 worth of medical bills, it would be coming out of their own pocket. 

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