Posted by MarkB_MI on October 15, 2022 at 09:59:32 from (174.240.152.249):
In Reply to: Re: MCCA rebate posted by Geo-TH,In on October 15, 2022 at 08:20:19:
> I know nothing about the law. > Never heard of it before Mark posted it. > Interesting to learn states besides California are run by half baked fruit cakes.. > Someday our country will be run by fully baked fruitcakes. > We need to make Fruit Cakes Taste Great Again! LOL. > Someone needs to invent an acronym for Half baked Fruit cakes running things..
Michigan is the only state to have true no-fault insurance. And it's the only one to provide unlimited medical benefits to those seriously injured in car crashes. And for decades the insurance companies have blamed no-fault insurance and unlimited medical benefits for high insurance rates, but have never really provided any evidence of it. The real reason insurance is so high in Michigan is that one city, Detroit, has extraordinarily high claims.
At any rate, a few years ago a reform bill was supposed to lower insurance rates, primarily by making the unlimited benefits optional. But in fact, the difference between rates with or without unlimited benefits is negligible. There's been no real rate reduction. Which pretty much proves false the assertion that unlimited medical benefits are responsible for high premiums.
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