Time and again, the American public’s interests are pushed aside in the name of big business and the auto insurance industry is no different. In the state of Michigan, premiums are skyrocketing and yet the auto insurance brokers are making phenomenal profits. There’s something wrong with this picture when the American people are reeling from the strained economy and businesses continue to pad their pockets. The average person in America is being drained dry. That isn’t even the worst of it. Now there is a possibility that drivers’ benefits will be reduced. Currently, Michigan drivers are under the “no fault law” which states that anyone involved in an automobile accident with paid coverage will be automatically entitled to several benefits, regardless of who caused the accident. For example, victims of an accident involving a car or truck will have lifetime medical care which includes mileage expenses for travel to and from the doctor’s office. In addition, wages will be reimbursed for a period of up to three years and and extra help for household chores and nursing care will be paid for as well.
However, Senate bills 293 and 294 could change the insurance industry, creating a tier system in which people would pay different amounts to receive varying benefits for insurance. What this all boils down to is people will have to pay more, most likely astronomical amounts, in order to receive what they have been receiving under state regulations. Currently, the basic coverage in Michigan includes lifetime medical insurance. If these bills are passed, that basic amount of coverage could very well become a premium amount. Meanwhile, people who cannot afford the premium policies will have “bare bones” policies that will still be costly yet will not give them the coverage they need. Should there be an accident, it will mean more money out of their pockets. Bill 294 addresses attendant care in particular and would limit the amount of hours and wages for someone providing nursing services to the injured. No matter how you look at it, residents of Michigan will lose should these bills pass.
If you need someone to speak on your behalf to fight for your rights, contact the Clark Law Office. We are here for you, not big business and definitely not the insurance industry. For a free consultation, call (517) 347-6900 today.
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