Catastrophic Crash Survivors are Being Denied Care – Join the Call for Action

In 2019, Michigan enacted significant reforms to its auto no-fault insurance system, aiming to reduce premiums while maintaining coverage options. While these changes introduced Personal Injury Protection (PIP) choice, allowing drivers to select their level of medical coverage, many catastrophic crash survivors have been left without access to the care they need to survive. Reimbursements for critical care have been slashed by 45%, leaving many unable to access essential home and attendant services prescribed by their doctors.

Despite some relief from the Michigan Supreme Court’s Andary decision, those injured after June 11, 2019, remain without support. Michigan remains one of the most expensive states for auto insurance, and the consequences of these reforms continue to impact the lives of survivors and their families.

A 2022 study by the Michigan Public Health Institute (MPHI), commissioned by the Brain Injury Association of Michigan, surveyed 498 car crash patients and found that nearly 80% had lost access to care due to the 2019 no-fault insurance reforms. The study revealed that 10% of patients who lost care were hospitalized, and 20% had to switch to Medicaid. The reforms, which reduced reimbursement rates by 45%, have led to significant challenges for survivors in accessing essential home and attendant care services.

Survivors and their families are counting on action. It’s time to fix Michigan’s no-fault insurance system to ensure all crash survivors receive the care they paid for and deserve.

Take action today to support meaningful change by calling upon our elected officials to prioritize reform.