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Indiana Personal Injury Attorneys Blog
Indiana Personal Injury Lawyer Blog

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.

Proven Results

$875,000

Nursing Home Abuse

Woman suffering physical and emotional abuse at nursing home.

$25,000,000

Traumatic Brain Injury

Client injured in auto accident after driver ran stop sign.

$940,000

Post-Concussion Disorder

Women rear-ended while stopped at red light

$1,250,000

Medical Malpractice

Patient suffering nerve damage following hip operation.

$12,000,000

Semi-truck Accident

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

$10,500,000

Slip and Fall

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

$797,000

Post-Concussion Disorder

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

$1,750,000

Semi-Truck Accident

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

$7,250,000

Traumatic Brain Injury

Man physically assaulted at his workplace.

$945,000

Auto Accident

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

$1,525,000

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.

"A great experience from beginning to settlement. Handled our case from start to finish. Explained every step and communicated very well."
– William H.
"Don did a great job on my case! Staff was amazing! Kept me in the loop the entire time. I highly recommend!!!!"
– Dana L.
"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."
– Edithe P.
"It was awesome watching Donald Wruck at work during mediation. He really fights for his clients."
– Lisa L.
"Great results in our auto accident case. Everyone was very helpful and I got a fantastic result. All my bills are paid and I can move on with my life."
– Trisha L.
"Wruck Paupore was fantastic. I was informed every step of the way, they did all of the work, and I got my case settled."
– Idell J.
"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."
– Rhonda M.
"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.
"I can’t say enough about Don Wruck and the staff at Wruck Paupore PC Law Offices. When we were in our accident we were already very shaken and confused and in pain. Don and his staff took over with a gentle hand and took care of everything."
– James H
"We are so thankful with how the lawyers and staff handled our case. The folks at Wruck and Paupore were always pleasant and helpful in all their phone calls and letters. It was always a pleasure to get their calls. We were especially pleased with their tenacious pursuit of the goal of full recovery which was far greater than we could have imagined."
– Jay Zoellner
"A great experience from beginning to settlement."
– William R.
"From start to finish, Wruck Paupore PC Law were the best! Knowledgeable and straightforward, they explained the process, start to finish, and gave guidance while allowing us to determine the best course of action to take. We would highly recommend them and would certainly use them again."
– Chris V.
"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."
– Wayne M.
"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
"After being involved in a car accident, I was very fortunate to work with Don Wruck. He explained everything to me and my family and made me feel involved in all decisions. I was very happy with the result of my case and happy to have found this firm!"
– Kayla D.
"Wruck Paupore didn’t just represent me. They truly understood my case, but also what I lost. They simply refused to quit. Professional, accessible, informative, transparent, immensely qualified and completely honest. I basically trusted this firm with my future. One decision I’ll never regret. There’s a certain peace of mind you feel when professionals of this level have your back."
– Pat D.

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.

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.

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.

Proven Results


$25,000,000

Traumatic Brain Injury

Client injured in auto accident after driver ran stop sign.

$1,250,000

Medical Malpractice

Patient suffering nerve damage following hip operation.

$10,500,000

Slip and Fall

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

$1,750,000

Semi-Truck Accident

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

$940,000

Post-Concussion Disorder

Women rear-ended while stopped at red light

$12,000,000

Semi-truck Accident

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

$797,000

Post-Concussion Disorder

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

$7,250,000

Traumatic Brain Injury

Man physically assaulted at his workplace.

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

Real Client Testimonials


"A great experience from beginning to settlement. Handled our case from start to finish. Explained every step and communicated very well."

Satisfied Wruck Paupore Client

William H.

"Don did a great job on my case! Staff was amazing! Kept me in the loop the entire time. I highly recommend!!!!"

Satisfied Wruck Paupore Client

Dana L.

"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."

Satisfied Wruck Paupore Client

Edithe P.

"It was awesome watching Donald Wruck at work during mediation. He really fights for his clients."

Satisfied Wruck Paupore Client

Lisa L.

"Great results in our auto accident case. Everyone was very helpful and I got a fantastic result. All my bills are paid and I can move on with my life."

Satisfied Wruck Paupore Client

Trisha L.

"Wruck Paupore was fantastic. I was informed every step of the way, they did all of the work, and I got my case settled."

Satisfied Wruck Paupore Client

Idell J.

"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."

Satisfied Wruck Paupore Client

Rhonda M.

"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!"

Satisfied Wruck Paupore Client

James M.

"I can’t say enough about Don Wruck and the staff at Wruck Paupore PC Law Offices. When we were in our accident we were already very shaken and confused and in pain. Don and his staff took over with a gentle hand and took care of everything."

Satisfied Wruck Paupore Client

James H.

"We are so thankful with how the lawyers and staff handled our case. The folks at Wruck and Paupore were always pleasant and helpful in all their phone calls and letters. It was always a pleasure to get their calls. We were especially pleased with their tenacious pursuit of the goal of full recovery which was far greater than we could have imagined."

Satisfied Wruck Paupore Client

Jay Zoellner

"A great experience from beginning to settlement."

Satisfied Wruck Paupore Client

William R.

"From start to finish, Wruck Paupore PC Law were the best! Knowledgeable and straightforward, they explained the process, start to finish, and gave guidance while allowing us to determine the best course of action to take. We would highly recommend them and would certainly use them again."

Satisfied Wruck Paupore Client

Chris V.

"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."

Satisfied Wruck Paupore Client

Wayne M.

"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."

Satisfied Wruck Paupore Client

J B

"After being involved in a car accident, I was very fortunate to work with Don Wruck. He explained everything to me and my family and made me feel involved in all decisions. I was very happy with the result of my case and happy to have found this firm!"

Satisfied Wruck Paupore Client

Kayla D.

"Wruck Paupore didn’t just represent me. They truly understood my case, but also what I lost. They simply refused to quit. Professional, accessible, informative, transparent, immensely qualified and completely honest. I basically trusted this firm with my future. One decision I’ll never regret. There’s a certain peace of mind you feel when professionals of this level have your back."

Satisfied Wruck Paupore Client

Pat D.