CPAN formed in 2003 to preserve critical medical and victim’s rights benefits under the Michigan Automobile No-fault Insurance Act.
CPAN is trying to preserve the protection of the no-fault law that guarantees payment of unlimited, lifetime medical and rehabilitation expenses for all individuals who sustain injury in motor vehicle accidents, in exchange for reasonable and fair limitations on the rights of seriously injured victims to recover quality of life (noneconomic loss) damages from negligent drivers who caused their injury.
CPAN is responding to attacks from the insurance industry in the appellate courts and in the state legislature.
The threat: The insurance industry is trying to secure new limits on no-fault PIP benefits in the form of caps, shortened claim limitation period, imposed managed care and other restrictions. In addition, the industry is lobbying for new limitations on the rights of innocent accident victims in the form of increased injury severity requirements, which have deprived many victims of the right to pursue claims for noneconomic, quality of life damages against negligent and drunk drives who caused their injury.
In the last several years, insurance companies have won several important appellate court decisions resulting in a substantial loss of rights and benefits for injured people under the Michigan no-fault system. The system is now seriously out of balance.
Fee Schedules: HB 4792
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