1. American Association of Retired Persons, "Car Insurance Rates," AARP Bulletin, July 1, 2010, http://www.aarp.org/money/insurance/info-07-2010/car_insurance_rates.html.
  2. Ludwig von Mises, Liberalism in the Classical Tradition, Third Edition, Irvington-on-Hudson, N.Y.: Foundation for Economic Education, 1985.
  3. Paul Heaton, "Auto Insurance Reform in Michigan: What Can the Data Tell Us?" RAND Institute for Civil Justice Occasional Paper, 2010, p. 2, http://www.rand.org/pubs/occasional_papers/2010/RAND_OP293.pdf.
  4. Ibid.
  5. Insurance Information Institute, "The Topic: No Fault Auto Insurance," June 2010, http://wwww.iii.org/media/hottopics/insurance/nofault/.
  6. James Anderson, Paul Heaton, and Stephen Carroll, "The U.S. Experience with No-Fault Automobile Insurance," RAND Institute for Civil Justice, Santa Monica, 2010, http://www.rand.org/pubs/monographs/ 2010/ RAND_MG860.pdf.
  7. Ibid., op. cit., p. 3.
  8. Robert Hartwig, Testimony before Michigan House Insurance Committee, Lansing, Michigan, December 3, 2009.
  9. Michael Miller, "Private Passenger Automobile Analysis of No-Fault Legislative Reforms," EPIC Consulting, June 2007, http://www.mirsnews.com/pdfs/nofault.pdf.
  10. 2009 Report to the Governor of the Office of Financial and Insurance Regulation, Department of Energy, Labor , and Economic Growth, State of Michigan.
  11. MCL 500.3171-3176 ("MCL" is Michigan Compiled Laws).
  12. Michigan Assigned Claims Fund, "Statement of Historical Expenditures/Assessments.
  13. Data obtained from insurer annual statements on file with the National Association of Insurance Commissioners, via Highland Data LLC.
  14. MCL 500.3104(2), as amended by Public Act 3 of 2001.
  15. Michigan Office of Financial Regulation, "Michigan Catastrophic Claims Association Information (MCCA) as of April 15, 2010."
  16. Statement of Actuarial Opinion, "Annual Statement of MCCA for Year Ended June 30, 2009."
  17. The amendment is to MCL 500.3104, with said amendment being contained in Public Act 662 of 2002.
  18. Calculated from MCCA's "Commercial Claims Analysis, Claims Received From 09/01/1996 to 2/31/2001."
  19. Calculated from MCCA's "Commercial Claims Analysis, Claims Received From 09/01/1996 to 12/31/2001 and 2002."
  20. See MCL 500.3104.
  21. Michigan Office of Financial Regulation, "Michigan Catastrophic Claims Association Information (MCCA) as of April 15, 2010."