Title : Dealers Insurance - Duggan sues State of Michigan to change no-fault insurance
link : Dealers Insurance - Duggan sues State of Michigan to change no-fault insurance
Dealers Insurance - Duggan sues State of Michigan to change no-fault insurance
Dealers Insurance - Duggan sues State of Michigan to change no-fault insurance
The Mayor of Detroit, Mike Duggan, has filed a lawsuit against the
State of Michigan in efforts to change our no-fault insurance law.
The
lawsuit argues the mandatory no-fault auto insurance system violates
the constitutional rights of Michiganders because the insurance costs
are so high. According to the suit, our annual auto insurance premium of
$3,059 is double the national average cost: $1,512.
More so, the
lawsuit argues that the extremely high cost significantly affects the
Detroit population, where those drivers pay an average of $6,197 a year
for coverage.
The mayor has long been a proponent of insurance reform in Detroit, where many go uninsured, and even announced his own proposal last year to combat the high insurance rates. The proposal was defeated.
"The
No-Fault Act has failed Michigan residents at every turn. This lawsuit
seeks a declaration that the law is unconstitutional," the suit states.
Duggan is asking the State be given six months to reform the No-Fault
insurance, or else have the No-Fault Act be deemed null and void and the
tort system be reinstated.
Right now, there two types of insurance: the pure tort system and the no-fault insurance.
Proponents
of the no-fault system point to the benefits, which include: All
medical care for a lifetime; wage loss up to three years; replacement
services; at-home care; and medical mileage. But all that, of course,
comes with a price.
"With a pure tort state, people's auto
insurance rates drops by more than half, overnight. No-fault is great,
but, it's expensive and people don't really understand the benefit that
it offers until normally it's too late and they've been injured in a car
accident," Steve Gursten with Michigan Auto Law told FOX 2 earlier this year, when lawmakers also discussed reforming the system.
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