People across Michigan are pinching pennies just to make ends meet. In times like these, no one should be forced to purchase a one-size-fits-all insurance plan they cannot afford and may never need.

People across Michigan are pinching pennies just to make ends meet. In times like these, no one should be forced to purchase a one-size-fits-all insurance plan they cannot afford and may never need.

That is why I am proud to sponsor a cost-saving reform to Michigan’s no-fault insurance system that is designed to increase customer choice.
Senate Bill 649 and House Bill 4936, otherwise known as the “Consumer Choice Insurance Act,” would preserve the integrity of the intention of Michigan’s no-fault law by allowing people to choose and purchase different amounts of coverage, and eliminate the mandate to purchase unlimited lifetime medical benefits.

These proposed bills would provide people with responsible options to choose the appropriate level of coverage to suit their needs.
As chair of the Senate Insurance Committee, I am proud to sponsor SB 649 while my colleague Rep. Pete Lund, who chairs the same panel in the House, sponsored HB 4936.

Currently, Michigan is the only state that mandates motorists purchase unlimited Personal Injury Protection insurance. Second to Michigan in the amount of coverage motorists may purchase is New Jersey, with a maximum limit of $250,000 in coverage. New York has the next highest mandated minimum with $50,000.

Under these proposals, motorists would be given the choice to purchase any one of a variety of plans to suit their needs – including up to $5 million in coverage.

I plan to take up SB 649 in the Senate Insurance Committee in the near future.