Wave a few dollars in savings and it's often easy to understand why opposition to proposed legislation falls away.
That is the possibility with a mid-April proposal to make broad changes to the state's no-fault insurance system. The legislation also would deter medical costs from being elevated for injuries suffered in motor vehicle accidents and place measures to prevent insurance fraud.
The repercussions for not getting groceries, fuel and television are clear.
Not having no-fault insurance? Less so.
The most obvious argument is the proposal's limitation of $1 million in coverage -- removing the unlimited designation -- could leave those who suffer significant injuries in accidents left to waste away physically and financially. Medical bills have already helped to increase the number of bankruptcy filings across the country, how will this cap prevent that with a family member facing treatment and rehabilitation of injuries for years?
Isn't that worth the cost of a $100 or a little more over the course of a year?
Among Gov. Rick Snyder's key arguments for this legislation is a redundancy with no-fault insurance and health insurance. With the swiftly changing landscape of insurance over the past few years and in the foreseeable future, what assurances are there? Who hasn't anticipated coverage of a specific procedure or condition, only to find that wasn't the case?
Yes, $1 million limit is still high -- the highest in the country. But, it can go quickly.
This legislation is a roll of the dice. It's also curious considering the state has dropped the requirement for motorcyclist to wear helmets, given they meet small license and insurance regulations.
So by that example, the state has allowed the increasing possibility of catastrophic injuries but less than two years later limits the resources to recover from said injuries?
The wise course of action on no-fault insurance would be not limiting coverage. This roll of the dice is too risky for the state and its citizens.
While the changes may result in small monthly insurance bill savings for the people of Michigan, the cost to those seriously injured in accidents and to the state overall will negate those savings.