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Changes in Michigan No-Fault Law May Result in a 45% Reduction in Payments for Survivors of Catastrophic Car Accidents


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Changes to No-Fault Laws Bring an Unexpected Side Effect: Tragedy

As many residents of Michigan know, in the 1970s the state adopted a system of “no-fault” insurance which was intended to make sure that people injured in car accidents were able to obtain any medical care that was needed as a result of the accident, regardless of who was at fault. Over the years, many have been concerned about the rising costs of Michigan auto-insurance, and the insurance industry has used this for decades to lobby for changes which would allow them to reduce benefits, claiming that this would allow them to drastically cut the costs of auto-insurance premiums. The reality, however, is that the changes demanded by the insurance industry would have less of an impact on insurance premiums than claimed, while allowing insurance companies to drastically increase their profits.

Since no-fault insurance was adopted in Michigan, it has offered some of the best benefits to auto accident victims in the country. Most significantly, Michigan auto insurance rules have promised the lifetime medical care needed for survivors of catastrophic auto accidents, many of whom have suffered amputations or severe traumatic brain injuries. Unfortunately, as of this writing, accident survivors face a 45% reduction in medical reimbursements which threatens to leave the most vulnerable people in Michigan without the healthcare they were promised.

In 2019, lawmakers were pushed by the insurance industry to pass a sweeping change to Michigan’s insurance structure, which insurance companies promised would significantly reduce rates. (Unfortunately, since that reform was passed, insurance companies have seen a massive rise in profits and drivers have seen little in the way of insurance rebates). Unless something is done, on July 1, 2021, survivors of catastrophic accidents also face having their benefits slashed.

Broken Promises: Devastation to Our Most Vulnerable Neighbors

In one example of the pending injustice, a 23-year-old survivor of an auto accident was left a quadriplegic, relying on attendant care to live independently. She and other quadriplegics rely on this attendant care to provide for basic needs to help them dress, eat, leave their home and live a basic life. This lifetime attendant care was promised as a benefit of the no-fault auto insurance that they paid for and, in many cases, the care has been provided for decades as promised. For example, one quadriplegic has received this care for 30 years, following his catastrophic auto accident injuries in 1991.

Now, a 45% cut in reimbursements mandated by the 2019 law threaten to strip away this promised care. Many agencies providing care to catastrophic injury victims expect they will be put out of business after the law goes into effect on July 1, 2021. Injury victims are concerned that they themselves will go bankrupt and there are reports of some catastrophic injury victims becoming suicidal when faced with losing critical care. Another victim describes how reductions are likely to force her into a nursing home, where she does not expect to survive. As another victim describes it, the new legislation basically allows the insurance company to break its contract by not providing the benefits it collected premiums for years ago. The Michigan Brain Injury Provider Council conducted a survey reporting that 80% home health providers expect to close their doors when the cuts go into effect. It reports that some 6,000 accident victims are expected to lose their critical care and 5,000 health care providers will lose their jobs.

As of this writing, two bills have been introduced to prevent this from happening – one by a Democrat and one by a Republican. As State Representative Douglas Wozniak, D-Shelby Township explains, he introduced his bill while thinking of his neighbor’s daughter who suffered catastrophic injuries in a car accident. He explains, “Although we have made great strides to reform our broken no-fault law, issues still need to be addressed, notably those related to post-acute rehab clinics, which many victims rely on for necessary services.” Rep. Wozniak’s observations are echoed in legislation offered by State Senator Curtis Hertel, D-Lansing, which has also introduced legislation to stop the cuts.

I truly believe that we Michiganders are better than this and that we will do what is necessary to protect our most vulnerable neighbors. If you are reading this, I ask that you please contact your state representatives and demand that they support legislation to end an immoral cut to benefits that were promised and paid for and protect the lives of catastrophic accident survivors. It is simply the right thing to do. Additionally, if you were hurt in car accident, contact our Indianapolis car accident lawyer or our Hammond, IN brain injury lawyer.

Proven Results


Traumatic Brain Injury

Client injured in auto accident after driver ran stop sign.


Post-Concussion Disorder

Women rear-ended while stopped at red light


Medical Malpractice

Patient suffering nerve damage following hip operation.


Semi-truck Accident

Woman suffering a traumatic brain injury following semi-truck accident.


Slip and Fall

Woman suffering severe hip and ankle fracture after falling on defective step.


Post-Concussion Disorder

Man suffered headaches and other post-concussion symptoms from vehicle crash.


Semi-Truck Accident

Woman suffering post-concussion syndrome after vehicle rear-ended by tractor trailer.


Traumatic Brain Injury

Man physically assaulted at his workplace.


Nursing Home Abuse

Woman suffering physical and emotional abuse at nursing home.


Auto Accident

Woman suffered from an ankle fracture after a truck turned in front of her vehicle.


Auto Accident

Man suffered back injury after head-on collision.

***Every case is unique and your results will differ. Contact us for a free case review of your circumstance.

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"My case wasn’t very large, but they made it easy to recover damages when the insurance company didn’t even want to cover basic costs. The firm was responsive to my inquiries, and very clear about what was required and what could be expected, during every step of the process."
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– Jay Zoellner
"Attorney Wruck did an amazing job in settling my personal injury case. His knowledge and experience specific to semi truck accidents made all of the difference in the outcome of my case; the settlement exceeded my expectations! The staff at his firm was helpful, responsive and caring during a difficult time following a life-altering experience. I highly recommend Attorney Wruck and his firm."
– J B
"Attorney Wruck did an amazing job in settling my personal injury case. His knowledge and experience specific to semi-truck accidents made all of the difference in the outcome of my case; the settlement exceeded my expectations!"
– James M.
"Exceptional team. They took on my case and made sure that I was consulted on every issue. If it wasn’t for the caring staff and my legal team I don’t know what I would have done. Everyone did an awesome job thanks so much for your help."
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"It was awesome watching Donald Wruck at work during mediation. He really fights for his clients."
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"Wruck Paupore did more than they promised and did all of the work. I was worried about bills and dealing with insurance people. They did everything while I recovered. They were not concerned about earning money but about helping me and my husband."
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"A great experience from beginning to settlement. Handled our case from start to finish. Explained every step and communicated very well."
– William H.

Your Legal Team

Your Legal Team

Top-Rated Litigator.
Helping injury victims move forward.

Don is a founding partner and one of the nation’s top-ranked personal injury litigators. He is a member of the Multi-million Dollar Advocates Forum, which includes less than 1% of the nation’s trial lawyers, and awarded the highest ranking given by Martindale Hubbel and AVVO.

More importantly, Don understands representing personal injury victims is about more than recovering the best settlement: it’s about helping clients get back on their feet and supporting them in every aspect of their recovery.

Best Indiana Auto Accident Lawyer
Understanding the Insurance Company:
Getting Results.

In nearly all cases, our clients seek compensation from the wrongdoer’s insurance company. Before forming Wruck Paupore, Jason worked for a prominent law firm representing some of the world’s largest insurers. This experience gives Jason a deep understanding of the insurance industry and the strategies it uses to pay injury victims as little as possible.

Jason -- and our entire team -- put this inside knowledge to work to force insurance companies to pay what is actually owed. Often, we use the insurance company’s own tactics against them as we fight for the full compensation our client deserves.

Best Personal Injury Lawyers Indianapolis
More than 40 Years of Experience.
Still Fighting for Justice.

For more than four decades, Keith has been fighting for injury victims. During that time, he’s watched the insurance industry change, with insurers now more interested in protecting their stock price than treating injury victims fairly.

Since the beginning, Keith has put people first. From his childhood in Gary, Indiana during the 1960’s and working his way through law school, Keith has risen to become one of the Midwest’s most respected trial lawyers. He has never forgotten that being a lawyer is about helping people -- and seeing injury victims through struggles in a way that could change their lives forever.

Over the decades, Keith, Don and Jason have fought relentlessly for clients, even when other lawyers have said the case was impossible to win.

Best Nursing Home Abuse Lawyers Indiana

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***Every case is unique and your results will differ. Contact us for a free case review of your circumstance.

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