Michigan Auto No Fault Attorney David Christensen has been making quite a stir when it comes to Detroit Mayor Duggan’s “D-Insurance” proposal. Now, even Crain’s Detroit Business has taken notice – featuring Christensen in an op-ed on their website.
“The “D-Insurance” automobile insurance proposal that Mayor Mike Duggan revealed on April 30 could hurt many more people than it helps,” David Christensen said in an article posted June 21, 2015 on the Crain’s Detroit Business website. The article summarized auto lawyer David Christensen’s opposition to the new bill, which is currently before the Michigan Senate.
Christensen has been vocally opposed to the mayor’s proposed “D-Insurance” bill since its initial proposal. The bill was promoted as cutting costs for Detroit motorists, but turned out to cut their benefits instead. Christensen explains in the Crain’s Detroit Business article:
Duggan’s proposal would let Detroiters buy a “qualified no-fault policy,” which provides only very low benefits and eliminates patients’ medical treatment options for Detroit residents. However, the proposal does not guarantee even one dollar of savings for Detroit residents. In exchange for no promise of any reduction in premiums, the following changes would be imposed on Detroiters.
The qualified plans would only grant Detroit residents $250,000 in critical care coverage and $25,000 in continuing care benefits per accident. And because of ambiguities in the proposed law, seriously injured patients might not even be able to sue the at-fault driver to cover their losses. That means that catastrophically injured motorists will have to turn to state-funded programs like Medicaid to provide for their health needs – at great cost to their medical outcomes and to taxpayers’ bottom lines.
In the Crain’s Detroit article, Christensen reviewed many of the bill’s shortfalls, including the threat it poses to Michigan doctors.
D-Insurance will limit the doctors that Detroiters can see to those who are favored by the insurance company. So doctors and other medical providers may have to be pre-approved by the insurance company first, then treat patients second.
By requiring insurance company pre-approval, the bill also gives insurers, not doctors, the final say in what is medically necessary to treat accident victims. If the insurance company doesn’t think a treatment is necessary, it won’t pay for it, leaving treating physicians stuck in the lurch. By letting insurance companies second guess what treatment as needed and when a patient is “stabilized” (the cut-off for critical care benefits), the bill promises long court cases and high attorney costs for any doctor trying to get paid for the services they perform.
There is a lot wrong with Senate Bill 288, labeled D-Insurance. From Detroiters to doctors, the bill could spell trouble if it becomes law. That’s why no fault attorney David Christensen appreciates the platform Crain’s Detroit Business provided to make those problems known to the citizens of Detroit, and Michigan in general. When it all boils down:
The “D-Insurance” proposal will hurt more than it helps.
David Christensen is an auto accident attorney for Christensen Law in Southfield, Michigan. He and his team represent motorists against insurance companies to make sure their injuries are paid for. If you or someone you love has been in a serious auto accident, contact Christensen Law today for a free initial consultation.