CPAN - Coalition Protecting Auto No-Fault - The trusted voice in Michigan's Auto No-Fault System
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Welcome to CPAN: the Coalition Protecting Auto No-Fault

A broad based, bipartisan coalition to preserve Michigan’s model No-Fault Insurance System

The Michigan No-Fault System Is Under Attack! Help us Preserve Your Auto No-Fault Benefits!

The insurance industry has introduced legislation that, if enacted, would fundamentally change the basic nature of the Michigan auto no-fault system.

Michigan insurance companies want to cap your injury and rehabilitation auto insurance benefits (known as Personal Injury Protection), which they say will save drivers 15 percent on the Personal Injury Protection portion of their premium. 

Here’s what insurance companies are not telling you about this legislation:

  • The insurance industry REFUSES to guarantee cost savings in exchange for reduced benefits.
  • Drivers will have to purchase MORE insurance to protect themselves from underinsured drivers.
  • Seriously injured drivers will be FORCED onto welfare programs to pay for their care once their auto insurance hits the proposed limits, which our state cannot afford.

View a full analysis of the insurance industry's legislation, House Bill 4936, by clicking the link below:

Fight to Save Auto No-Fault HB 4936 (H-2) Fight to Save Auto No-Fault HB 4936 (H-2) (462 KB)

Help CPAN Protect Our Auto Insurance Benefits!

Visit our advocacy page to learn how you can help CPAN fight your the rights of accident victims and protect our model no-fault system.

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CPAN Debates the Insurance Industry07-Feb-2012

CPAN spokesman John Truscott debates Insurance Institute of Michigan spokesperson on Channel 12 WJRT's Newsmaker program Watch the full interview below: .. Read More...

CPAN Expresses Support for SB 298 to Fight Insurance Fraud02-Feb-2012

CPAN Letter in Support of Senate Bill 298 (http://www.scribd.com/doc/80269818/CPAN-Letter-in-Support-of-Senate-Bill-298).. Read More...

George Sinas Talks CPAN's FOIA Lawsuit with Tony Trupiano27-Jan-2012

CPAN General Counsel George Sinas was interviewed this morning on First Shift with Tony Trupiano about our FOIA lawsuit against the Michigan Catastrophic Claims Association. Click the link below t.. Read More...

CPAN Legal Counsel Discuss No-Fault FOIA Lawsuit24-Jan-2012

CPAN general counsel George Sinas and Wayne State University law professor Noah Hall explain the reasoning and background of the lawsuit against the Michigan Catastrophic Claims Association. CPAN .. Read More...

CPAN Files FOIA Lawsuit to Access Auto No-Fault Data 23-Jan-2012

Information will help lawmakers make sound policy decisions LANSING–The Coalition Protecting Auto No-Fault (CPAN) filed a lawsuit (http://www.scribd.com/doc/79103002/MCCA-FOIA-Lawsuit-Filed-.. Read More...

CPAN Member Stands Up for No-Fault in Local TV Talk Show12-Dec-2011

John Prosser from Health Partners Inc. interviewed on Inside Macomb Interview Part I Interview Part II.. Read More...

Farmington Hills City Council Issues Resolution Opposing HB 493623-Nov-2011

Farmington Hills Resolution Opposition to HB 4936 (http://www.scribd.com/doc/73603126/Farmington-Hills-Resolution-Opposing-to-HB-4936).. Read More...

Macomb County Auto No-Fault Town Hall Nov. 28 23-Nov-2011

Warren Auto No-Fault Town Hall Nov. 28 (http://www.scribd.com/doc/73603775/Warren-Auto-No-Fault-Town-Hall-Nov-28).. Read More...

State Legislator Office Hours Nov. 18th15-Nov-2011

Two Michigan state representatives will hold open office hours this week. CPAN members who live in their districts are encouraged to attend and urge their representative to VOTE NO on HB 4936! .. Read More...

SE Michigan Hospitals Will Lose More Than $100 Million Under Insurance Industry's Auto No-Fault Plan08-Nov-2011

Southeast Michigan Hospitals Will Lose More Than $100 Million if No-Fault Reforms Pass (http://www.scribd.com/doc/72087199/Southeast-Michigan-Hospitals-Will-Lose-More-Than-100-Million-if-No-Fault-Refo.. Read More...

Veterans Applaud State Lawmakers for Meeting about Care Providers' Opposition to No-Fault Changes04-Nov-2011

Lawmakers Meet With Veteran Care Providers Opposing No Fault Reform (http://www.scribd.com/doc/71622405/Lawmakers-Meet-With-Veteran-Care-Providers-Opposing-No-Fault-Reform).. Read More...

CPAN FOIA Request Denied by Insurance Industry26-Oct-2011

FOIA Request Denied, Fate of Auto No-Fault Rests on Unverified Data (http://www.scribd.com/doc/70420678/FOIA-Request-Denied-Fate-of-Auto-No-Fault-Rests-on-Unverified-Data) {module_literatu.. Read More...

CPAN Member John Prosser on Michael Patrick Shiels Radio Show26-Oct-2011

Prosser Discusses Dangers of Proposed Changes to Michigan's Auto No-Fault System CPAN member and vice president of Health Partners Inc. spoke recently with radio host Michael Patrick Shiels about .. Read More...

Speak to Your State Representative During Open Office Hours19-Oct-2011

Tell Them to VOTE NO on HB 4936 CPAN members are encouraged to reach out to their state representatives during the posted office hours (below) and urge them to stop and DO THE MATH on this legisla.. Read More...

Updated Analysis of HB 4936 by CPAN General Counsel George Sinas18-Oct-2011

On Oct. 13, 2011, the Michigan House Insurance Committee approved House Bill 4936 with amendments from what was previously introduced. CPAN General Counsel and auto no-fault George Sinas has updat.. Read More...

Protect People Not Profits Rally -- 11am, Oct. 17th14-Oct-2011

Southeast Michigan CPAN Members -- Please consider attending this rally in Southfield on Monday, Oct. 17. Protect People Not Profits Event (http://www.scribd.com/doc/68794470/Protect-People-Not-Profit.. Read More...

Michigan House Insurance Committee Votes to Fundamentally Destroy Auto No-Fault13-Oct-2011

FOR IMMEDIATE RELEASE CONTACT: Josh Hovey Oct. 13, 2011 .. Read More...

State Rep. Mike Shirkey No-Fault Town Hall07-Oct-2011

CPAN members: Please consider attending this hearing and letting Rep. Shirkey know that this legislation will shift millions of dollars in the insurance industry's costs to taxpayers, cut thousand.. Read More...

Protect No-Fault Advocacy Meeting - Oct. 420-Sep-2011

CPAN Do the Math Campaign Meeting (http://www.scribd.com/doc/65702165/CPAN-Do-the-Math-Campaign-Meeting).. Read More...

CPAN Member Stands Up for No-Fault on Radio19-Sep-2011

On Sept. 14, CPAN member John Prosser debated Michigan State Representative Pete Lund on why Michigan's auto no-fault system should be preserved. Listen to the entire interview by clicking the lin.. Read More...

Capping No-Fault Benefits Shifts Millions to Taxpayers 13-Sep-2011

New study estimates proposed auto insurance “reforms” could cost state $30 million per year LANSING – An insurance industry-proposed plan to cap personal injury protection (.. Read More...

CPAN guests on Michael Patrick Shiels09-Sep-2011

This week, Michigan's Morning Show with Michael Patrick Shiels featured two guests from CPAN – listen to their interviews here! John Prosser on Michigan's Morning Show with MPS (http://.. Read More...

Gutting auto no-fault would wallop Michigan's economy06-Sep-2011

LANSING – Auto insurers’ plan to gut Michigan’s no-fault law would deal a severe blow to the state’s economy. A study released today by East Lansing’s Anderson Econom.. Read More...

Michigan Voters Oppose Cuts to Auto Injury Benefits29-Aug-2011

FOR IMMEDIATE RELEASE CONTACT Monday, August 29, 2011 Josh Hovey .. Read More...

House Insurance Committee Members' In-District Schedules22-Aug-2011

Take the Time to Meet with Your Legislator to Discuss Auto No-Fault CPAN members are encouraged to take all available opportunities to meet with their state legislators about the importance of kee.. Read More...

Fight to Save Auto No-Fault25-Jul-2011

THE FIGHT TO SAVE AUTO NO-FAULT May 10, 2011 On March 24, 2011, two bills introduced in the Michigan Senate (SB 293 and SB 294) were referred to the Senate Committee on Insurance. If enact.. Read More...

CPAN Fee Schedule Viewpoint in Detroit Free Press14-Apr-2011

The Detroit Free Press published CPAN's viewpoint opposing medical fee schedules for auto accident victims. CPAN opposes insurance industry efforts to cut off payments to hospitals, physicians and oth.. Read More...

Free Press Publishes CPAN Letters31-Mar-2011

CPAN Letters Published in Detroit Free Press Both CPAN president John Cornack and Brain Injury Association of Michigan President Mike Dabbs had their letters (http://www.freep.com/article/20110331.. Read More...

Insurance Industry at it Again28-Mar-2011

It was only a matter of time before the insurance industry launched another attack on auto no-fault in Michigan. You've probably seen recent articles that rank our state as the most expensive plac.. Read More...

Report on Wilcox v. State Farm Oral Arguments09-Nov-2010

Recently, CPAN filed an amicus curiae (friend of the court) brief in the Michigan Supreme Court case of Wilcox v State Farm. CPAN’s General Counsel, George T. Sinas, attended the oral argum.. Read More...

CPAN Members Encouraged to Attend Supreme Court Oral Arguments for Wilcox v. State Farm02-Nov-2010

Michigan Supreme Court will hear Oral Argument on the Wilcox v. State Farm on Thurs., November 4, starting at 9:30a at the Hall of Justice (Lansing). This case deals with the very significant iss.. Read More...

News & Announcements

Capping No-Fault Benefits Shifts Millions to Taxpayers 13-Sep-2011

New study estimates proposed auto insurance “reforms” could cost state $30 million per year LANSING – An insurance industry-proposed plan to cap personal injury protection (.. Read More...

Michigan Voters Oppose Cuts to Auto Injury Benefits29-Aug-2011

FOR IMMEDIATE RELEASE CONTACT Monday, August 29, 2011 Josh Hovey .. Read More...

Kevin Clinton Named Michigan Insurance Commissioner19-Apr-2011

Former insurance industry executive Kevin Clinton was recently named the new Michigan Insurance Commissioner. See Gov. Snyder's press release below for details. CPAN looks forward to working with Mr. .. Read More...

CPAN Board Member Mike Dabbs Honored with Brain Injury Association of America Affiliate Leadership A08-Dec-2010

CPAN is proud to announce that Board Secretary Mike Dabbs has been awarded the Affiliate Leadership Award (http://www.biami.org/AnnouncementRetrieve.aspx?ID=61248) from the Brain Injury Associatio.. Read More...

CPAN Applauds Michigan Supreme Court Rulings02-Aug-2010

CPAN Applauds Supreme Court Decisions on Auto No-Fault Cases Lansing, MICH – On Saturday, July 31, the Michigan Supreme Court issued rulings on two vital cases involving Michigan&.. Read More...

CPAN and other stakeholders testify at OFIR hearing regarding Independent Medical Examinations16-Dec-2009

Click a link below to download the PDFs and read the testimony provided by CPAN, Lynn Brouwers for MBIPC, and Dr. Owen Perlman. CPAN Testimony 12-16-09 (/_literature_46060/CPAN_Testimony_121609.. Read More...

CPAN is pleased to showcase its re-designed website14-Dec-2009

Thank you for visiting CPAN’s new website! This site is only part of many exciting changes at CPAN. This year, CPAN member organizations evaluated the objectives it wanted to accomplish, inclu.. Read More...

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