Protecting Michigan’s Auto No-Fault Law

Since its formation in 2003, The Coalition to Protect Auto-No Fault (CPAN) has fought vigorously to preserve Michigan’s model no-fault insurance system. MBIPC is a proud member of this coalition.


CPAN’s efforts have resulted in many victories for patients and providers, including the following:

Stopping bad legislation – CPAN and its members have worked successfully to stop bad legislation from becoming law, including: (1) stopping medical fee schedules, (2) stopping managed care, and (3) stopping reductions in personal injury protection benefits (also called PIP choice).


Sponsoring proactive legislation – CPAN has gone on the offensive and sponsored many items of positive legislation protecting the rights of patients and medical providers, including: (1) placing restrictions on the rights of insurance companies to audit medical bills; (2) restoring protections on the statute of limitations for minors, incompetent persons, and medical providers; (3) guaranteeing the right of patients to choose their medical providers and case managers; (4) penalizing insurance companies for the wrongful, bad-faith denial of claims; and (5) repealing the Kreiner decision so that auto accident victims can hold drunk and careless drivers fully accountable.


Fighting court battles – CPAN has filed approximately 17 amicus curiae briefs in the Michigan Supreme Court. In every one of these cases, CPAN fought hard to protect the interests of the patients and providers, including urging the Court to: (1) restrict the ability of insurance companies to discount bills for medical treatment by hiring auditing companies whose role is to reduce reimbursement to providers; (2) restore the protections of the statute of limitations for minors, incompetent persons and medical providers; (3) prohibit the sale of managed care policies that would convert our no-fault system from a fee-for-services to a managed care system; (4) to limit the power of the Michigan Catastrophic Claims Association (MCCA) to deny reimbursement of provider charges; and (5) to repeal the Kreiner decision so that victims can hold drunk and careless drivers fully accountable.


The Michigan auto insurance industry will continue its efforts to dramatically alter the fundamental nature of the Michigan No-Fault Law. These industry attacks on the no-fault system will be multifaceted and will include ongoing efforts to adopt medical fee schedules, impose managed care, authorize the sale of stripped down “PIP choice” insurance policies that will pay for only a fraction of medical expenses in catastrophic injury cases, and enact new restrictions on the rights of innocent victims to recover damages from at-fault drivers. Along, the way, the insurance industry will continue to resist efforts for meaningful insurance rate reform and will oppose any legislation that would stop unfair, bad faith claim denials. For more information on CPAN, or to become a member, visit