D-Insurance is NOT the Solution
Detroit auto insurance rates are unfair and unjust, but the proposed low-cost insurance policy for Detroit residents is the wrong direction for the city and the state.
D-Insurance will put Detroit families at risk.
- In the first year following a traumatic brain injury, the average cost of care is more than $200,000 per person.
- The $250,000 injury coverage included in the D-Insurance proposal is shared by an entire family, and can ONLY be used for critical care immediately following an accident. It does not cover post-acute rehabilitation or other important health care needs following an accident.
- Once the injured family members leave the hospital, the family is limited to a total of just $25,000 in care.
D-Insurance will allow big insurance companies to shift their costs onto Michigan taxpayers.
- Anyone suffering catastrophic injuries – such as a traumatic brain injury or spinal cord injury – will easily go through the $250,000 limit in acute care and $25,000 cap on postacute care and rehabilitation.
- A 2011 study by Public Sector Consultants found that capping auto insurance benefits at $50,000 would cost Michigan’s Medicaid system an extra $30 million in the first year alone. Taxpayers can expect a similar cost-shift if D-Insurance becomes law.
- If capping care for auto accident survivors was a bad idea at $50,000 back in 2011, then it is a very bad idea to cap catastrophic care at $25,000 for an entire family today.
D-Insurance puts insurance companies – not your doctor – in charge of your health.
- Insurance companies would get new power to take away choice from accident victims, requiring them to use the insurers’ own doctors and require pre-authorization for medical treatment, possibly resulting in delays in care.
D-Insurance will increase insurance costs for the rest of the state.
- Anyone who buys D-Insurance will no longer pay into the Michigan Catastrophic Claims Association, which could result in a higher MCCA assessment for the rest of the state.
Board of Directors Brain Injury Association of Michigan • Case Management Plus • Eisenhower Center • Feinberg Consulting, Inc. • Health Partners, Inc. • Michigan Association of Chiropractors • Michigan Association for Justice • Michigan Brain Injury Providers Council • Michigan Citizen Action • Michigan Dental Association • Michigan Nurses Association • Michigan Orthopedic Society Michigan Orthotics and Prosthetics Association • Michigan Osteopathic Association • Michigan State Medical Society • Origami Brain Injury Rehabilitation • Siporin and Associates, Inc. • Special Tree • The Recovery Project
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