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Introduced Bill Proposes to Lower Detroit Auto Insurance

MichiganA Detroit senator has introduced a bill to limit the factors insurance companies can use to set their rates, something he sees as fair but an insurance industry group says would raise costs for people living in rural Michigan, according to

Senate Bill 312, introduced by Sen. Morris Hood III, D-Detroit, would limit the criteria auto insurers could use in setting their rates to three factors: anticipated repair costs, civil infraction history and insurance claims history. Insurers now use a lot more than that, including how many years somebody has been driving, where you live, insurance-based credit scoring and miles driven.

But according to Pete Kuhnmuench, Executive Director of the Insurance Institute of Michigan, there are aspects of urban living that drive up claims, which in turn drive up rates.

Two big ones he mentioned were crime and density. Urban areas tend to have higher crime rates, meaning there are more claims for cars being broken into or stripped, as well as things like carjackings. And they're more dense, he said, and more people with more cars means more congestion and more accidents.

The bill was referred to the Senate Insurance Committee. It would have to pass the full Senate, full House and earn a signature from Gov. Rick Snyder to become law.

Read more about the bill here.

Why are We Reporting This Story on our Website?

Our website was created to provide important news and legal information to accident and injury victims throughout the state of Michigan. Quite often, insurance companies and their investigators meet with victims and their families shortly after an accident. They attempt to obtain evidence and information that will help them defend the case later and often get victims to sign statements that are against their own interest.

Our goal is to provide valuable information to victims and their family members to prevent them from being taken advantage of by the insurance companies and their attorneys. We offer free books to consumers so they can understand their legal rights, whether they choose to hire an attorney or handle the claim on their own. We have given away many thousands of free legal guides over the last ten years for this purpose.

Do I Need a Lawyer for my Accident Case?

You may or may not need a lawyer for your accident case, but you should certainly consult with an attorney before you agree to any type of settlement on your case. You can consult with our lawyers for free or find another qualified attorney for your case. It is important to have your legal rights explained to you before you sign any papers because you may be giving up your rights to important benefits and settling your case for much less than it's worth.

What Should I Do After A Michigan Auto Accident?

There are several things that you should do immediately after a car accident, which include:

  • Notify of the police of the accident, especially if they do not come to the accident scene.
  • Provide the investigating officer with your drivers license, proof of insurance, & vehicle registration.
  • Make sure there is a written police report made after the accident.
  • Get the drivers license number and license plate number of the other vehicles in the crash.
  • Take photographs on your phone of damage to your car and other vehicles.
  • Get the names, telephone numbers, and addresses of all witnesses to the accident.
  • Report the accident to your own auto insurance company after the accident.
  • Request an Application for No-Fault Insurance Benefits from your insurance agent.
  • Contact our experienced attorneys to advise you on your rights and to begin pursuing your claims.

Our No-Fee Promise on Michigan Car Accident Cases

If you're in a Michigan car accident, call our award-winning car accident lawyers.

Don't be concerned about the money you might need to hire a lawyer. You can afford to have the best car accident law firm on your side without paying a penny out of your pocket. It costs nothing to get started and if your auto accident case is unsuccessful for any reason, you owe us nothing. We promise you in writing:

  • No money to hire us or get started on your case
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  • You pay no legal fees whatsoever unless you receive a settlement
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There are three ways to get started on your car accident case today to get the settlement you deserve. You can:

  1. Submit the Free Case Review Box on this page. An auto accident attorney will contact you shortly.
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Warning: There are strict time deadlines for filing Michigan car accident lawsuits. Call us today to learn more about the Michigan auto accident laws.

Lawrence J. Buckfire
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Best Michigan personal injury lawyer winning highest settlements for injury, malpractice, & accident victims.
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