A PDF copy of this study is available.
On Oct. 1, 1973, Michigan joined a growing number of states in adopting a “no-fault” automobile insurance law, which has remained in tack ever since. This policy brief outlines the variety of problems plaguing Michigan's auto insurance laws and explains why these issues are leading to the most expensive car insurance premiums in the nation.
The brief also describes several reform ideas for how to fix Michigan's no-fault insurance system. These reforms would maintain the no-fault approach to car insurance, but would put downward pressure on premiums, a benefit that would be enjoyed by all Michigan drivers.