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(Yahoo)   Michigan Gov. Gretchen Whitmer announces plans to force socialist payouts onto every car-owning citizen in the state. Resist, MAGA patriots. Don't let the radical Democrats tempt you with their siren-like lures. SAY NO THANKS TO SOCIALIST DOLLARS!   (yahoo.com) divider line
    More: Scary, Insurance, auto insurance refunds, Michigan Catastrophic Claims Association, Boiler insurance, premiums of all insured vehicles, Damage waiver, Gov. Gretchen Whitmer, Michigan drivers  
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3888 clicks; posted to Politics » and Main » on 07 Dec 2021 at 3:05 PM (6 weeks ago)   |   Favorite    |   share:  Share on Twitter share via Email Share on Facebook



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2021-12-07 1:41:38 PM  
FTFA: Eligible consumers do not need to take action in order to receive a refund. The surplus funds will be turned over by the MCCA to the insurance companies operating in Michigan by March 9, 2022, and the insurers will be responsible for issuing checks to eligible policyholders, the news release said.

Enjoy your $50 gas gift cards, Michganders!
 
2021-12-07 2:44:18 PM  
Subby, the refunds are from a non profit run by the auto insurers.  None of this is government money, so not socialism.

It's a rebate because the insured paid in way more than was paid out.
 
2021-12-07 3:06:41 PM  
Thanks, President Trump!
 
2021-12-07 3:08:29 PM  
Was $400 was worth losing a lifetime of medical care?  Medical insurance won't cover it if you are injured in a car accident.
 
2021-12-07 3:08:45 PM  
Michigan sure is a weird state.
 
2021-12-07 3:08:55 PM  
Dems gotta buy votes somehow.
 
2021-12-07 3:09:24 PM  
Unless you're a farmer then it is your patriotic duty to collect those sweet socialist dollars.
 
2021-12-07 3:11:11 PM  

Uncle Eazy: Dems gotta buy votes somehow.


It was bipartisan...
 
2021-12-07 3:11:40 PM  
I'm taking my $400 to the bar I grew up around the block from, Subi's.  If you know you know
 
2021-12-07 3:12:36 PM  

Uncle Eazy: Dems gotta buy votes somehow.


Sucks having to bribe people out of being white supremacists, but something has to be done.
 
2021-12-07 3:13:03 PM  

Gin Buddy: Uncle Eazy: Dems gotta buy votes somehow.

It was bipartisan...


So was the American Rescue Plan
 
2021-12-07 3:13:39 PM  

Hendawg: I'm taking my $400 to the bar I grew up around the block from, Subi's.  If you know you know


$400 will buy a lot of Coors light. Congrats!
 
2021-12-07 3:14:55 PM  

Hendawg: I'm taking my $400 to the bar I grew up around the block from, Subi's.  If you know you know


They are open, and that $400 will get a lot of mileage there.

/If you know what I mean
//I'm sure you do
 
2021-12-07 3:17:57 PM  
Doesnt michigan have some of the highest auto insurance rates in the country?
 
2021-12-07 3:19:37 PM  
I'm planning to spend it at my favorite strip club on 8 Mile.

That's gotta be worth at least one hand job in the VIP room.
 
2021-12-07 3:22:28 PM  

Eightballjacket: It's a rebate because the insured paid in way more than was paid out.


Holy crap, in that case they owe me like 30 years of rebates!
 
2021-12-07 3:23:17 PM  

Teddy Brosevelt: Doesnt michigan have some of the highest auto insurance rates in the country?


I sure as fark wouldn't want to drive there during the winter.
 
2021-12-07 3:23:39 PM  

Glorious Golden Ass: Was $400 was worth losing a lifetime of medical care?  Medical insurance won't cover it if you are injured in a car accident.


That wasn't the deal. The refunds are because the non-profit fund set up to handle catastrophic claims is sitting on $27,000,000,000 dollars. Even with all that paying out they're doing, they still have $27B stashed away. A perfect example of how, even with the "unprecedented requirement that insurance companies cover medical bills", it still proves insurance companies are massively over-charging all Michigan drivers for the offense of having a brown city in their state.
 
2021-12-07 3:23:59 PM  

Teddy Brosevelt: Doesnt michigan have some of the highest auto insurance rates in the country?


We used to, due to unlimited liability.  It was changed a while back.
 
2021-12-07 3:24:19 PM  
My grandpa has weird culty hand written notes all over his office talking about how bad and evil socialism is.

Of course it's lost on him that the only reason he was able to retire is because of social security.
 
2021-12-07 3:25:52 PM  

Im_Gumby: Teddy Brosevelt: Doesnt michigan have some of the highest auto insurance rates in the country?

We used to, due to unlimited liability.  It was changed a while back.


What now?  You could have 10 million combined single limit on your beat up Chev S10?
 
2021-12-07 3:26:08 PM  

whidbey: I sure as fark wouldn't want to drive there during the winter.


Why not? What makes it worse than any other northern state? This will be my 33rd winter as a licensed driver. Never had one accident. Never called a tow truck. Never been stuck. You learn to leave some space and take your time.
 
2021-12-07 3:28:57 PM  
just keep paying extra into the state budget by buying those state approved Gadsen Flag license plate.

/Here in TN the proceeds go to Art programs, so when I see one, I have to ask myself, stupid Tea Partier or smart troll Art Lover who's into Performance art?
 
2021-12-07 3:29:23 PM  

Uncle Eazy: Dems gotta buy votes somehow.


but it's perfectly OK for your golden incompetent to take 55 gallon drums of rubles.
 
2021-12-07 3:31:14 PM  

whidbey: Im_Gumby: Teddy Brosevelt: Doesnt michigan have some of the highest auto insurance rates in the country?

We used to, due to unlimited liability.  It was changed a while back.

What now?  You could have 10 million combined single limit on your beat up Chev S10?


https://www.michigan.gov/autoinsurance/
 
2021-12-07 3:31:22 PM  
Oh, they will - you betcha. Probably with shots fired. Certainly with plenty of herpin' and derpin'.
 
2021-12-07 3:33:00 PM  

Teddy Brosevelt: Doesnt michigan have some of the highest auto insurance rates in the country?



Michigan "No Fault" is an interesting system.   As the name denotes, it's meant to cut down on litigation costs (it often doesn't for reasons too complicated to discuss here) because auto accident lawsuits don't focus on fault like pretty much every other state (a few other states have also dabbled in this system).  So basically, you could be blind drunk or high and get into a serious accident, and your insurance carrier will have to cover you for medical costs, possibly for life and if not the carrier than this industry backed fund (I think over certain limits, the carrier can look to the industry fund steps to cover costs).

Putting aside my extreme example, it is a nice system in theory - where everyone just looks to their own insurance carrier to cover auto damage costs and medical care, and there is no need to look and see who is really at fault - wasting time and money on processing claims and litigaitation.

However, the negative thing is the cost to prop up a system, every driver in the state must have auto insurance and the policy rates/premiums to do No Fault and have no cap on medical coverage is VERY expensive to the consumer.

I'm sure I'm missing some details - but those are the broad strokes to Michigan's insurance scheme.
 
2021-12-07 3:37:07 PM  
The Conservturds there will spin it so that their billionaire god Koch is sending them the money.
:(
 
2021-12-07 3:38:32 PM  
Here in Michigan, we used to have unlimited liability in case you were hurt in an auto accident and required perpetual care.

The insurance companies complained about that and said that that was why Michigan had such high auto-insurance rates.

The Republican's killed the unlimited liability rules. Since then, a lot of people have lost their old benefits and are still disabled but now are becoming burdens of the state and/or getting warehoused in generic long-term-care setups. It's pretty grim, actually.

But, but, but.... we get lower insurance rates, right? Well, I haven't seen any reductions. So, thanks?

The GOP is so predictable.
 
MFK
2021-12-07 3:41:32 PM  
along similar lines, my dipshiat BernieBro brother was ranting about how Biden hasn't done shiat for anybody and how Dems are no different than Republicans when I asked him how he liked his three monthly $300 child checks and he got even more mad and started screaming "I DIDN'T ASK FOR THAT!!"

So, much like that stupid farkhead, I fully expect the MAGAts to take the money and biatch about it the whole time.
 
2021-12-07 3:43:28 PM  

SirEattonHogg: Teddy Brosevelt: Doesnt michigan have some of the highest auto insurance rates in the country?


Michigan "No Fault" is an interesting system.   As the name denotes, it's meant to cut down on litigation costs (it often doesn't for reasons too complicated to discuss here) because auto accident lawsuits don't focus on fault like pretty much every other state (a few other states have also dabbled in this system).  So basically, you could be blind drunk or high and get into a serious accident, and your insurance carrier will have to cover you for medical costs, possibly for life and if not the carrier than this industry backed fund (I think over certain limits, the carrier can look to the industry fund steps to cover costs).

Putting aside my extreme example, it is a nice system in theory - where everyone just looks to their own insurance carrier to cover auto damage costs and medical care, and there is no need to look and see who is really at fault - wasting time and money on processing claims and litigaitation.

However, the negative thing is the cost to prop up a system, every driver in the state must have auto insurance and the policy rates/premiums to do No Fault and have no cap on medical coverage is VERY expensive to the consumer.

I'm sure I'm missing some details - but those are the broad strokes to Michigan's insurance scheme.


Auto insurance should be nationalized along with health insurance.

Yeah, yeah, not everyone has a car or drives. Not everyone dies from cancer, either, but their insurance still covers the risk. And others can still get hit or have property damaged.

Let's have it available for everyone, paid through taxes.
 
2021-12-07 3:45:06 PM  
This should barely offset the rising cost of this year's inflation from the supply chain issues
 
2021-12-07 3:48:19 PM  

MFK: I fully expect the MAGAts to take the money and biatch about it the whole time.


FTA: "Republicans have accused Whitmer of playing politics with the issue."

So... yeah.
 
2021-12-07 3:52:47 PM  

MFK: along similar lines, my dipshiat BernieBro brother was ranting about how Biden hasn't done shiat for anybody and how Dems are no different than Republicans when I asked him how he liked his three monthly $300 child checks and he got even more mad and started screaming "I DIDN'T ASK FOR THAT!!"

So, much like that stupid farkhead, I fully expect the MAGAts to take the money and biatch about it the whole time.


Whoa! Sounds like HE'S the one who's no different than Republicans, amirite?

JFC. Enough with the infighting.
 
2021-12-07 3:53:51 PM  

whidbey: Michigan sure is a weird state.


When I first moved here and went online to Geico to update my car insurance, I just about crapped my pants.
 
2021-12-07 3:54:04 PM  
I got a rebate on my car insurance last year. In CA. There is an insurance commission that regulates the industry. In most/all states. Since people were driving much less, the companies were making too much windfall profit. Nothing political about it.
 
2021-12-07 3:54:31 PM  

Hendawg: I'm taking my $400 to the bar I grew up around the block from, Subi's.  If you know you know


Your impulse control at not finishing up that lyric is admirable
 
2021-12-07 3:54:44 PM  
Living in Michigan for six years now.  Moved from Arizona.  Our auto insurance actually went down when we moved.  Full coverage on both vehicles.

$800 will buy a lot of weed
 
2021-12-07 3:59:00 PM  

RobotSpider: Glorious Golden Ass: Was $400 was worth losing a lifetime of medical care?  Medical insurance won't cover it if you are injured in a car accident.

That wasn't the deal. The refunds are because the non-profit fund set up to handle catastrophic claims is sitting on $27,000,000,000 dollars. Even with all that paying out they're doing, they still have $27B stashed away. A perfect example of how, even with the "unprecedented requirement that insurance companies cover medical bills", it still proves insurance companies are massively over-charging all Michigan drivers for the offense of having a brown city in their state.


It seems I'm not the only on under the impression the reason there is a surplus is that payouts were reduced for existing victims needing long-term care.

"Advocates for Michigan accident victims have criticized the refund plan, saying it will remove funds intended to pay for the care of catastrophically injured residents who are suffering under the new legislation."
 
2021-12-07 3:59:18 PM  

whidbey: Im_Gumby: Teddy Brosevelt: Doesnt michigan have some of the highest auto insurance rates in the country?

We used to, due to unlimited liability.  It was changed a while back.

What now?  You could have 10 million combined single limit on your beat up Chev S10?


It was unlimited on medical. There was a fund set up so that if you got into an accident and needed care for the rest of your life, the insurance system would pay for it. With the cost of American healthcare and the help of ambulance-chasing lawyers, this became a gigantic boondoggle that made auto insurance almost impossible to afford. The cost of the mandatory contribution each driver needed to make to the accident fund would be broken out in your quote and it was very common for it to be more than the rest of the coverages on the policy combined

Anyways, they recently made contributing to it optional, and I believe also pushed a lot of costs onto private health insurance if you have it. If you opt not to get it, you get up to a million dollars in care and then become somebody else's problem after that. If you opt in, you can pay $2k+ extra a year in the highly unlikely event you need lifelong medical care following an accident. Hardly anyone is opting in, so the amount of projected claims in the future is plummeting, therefore some of the fund's principle is now being returned.
 
2021-12-07 4:00:47 PM  
Republcians have proven that they'll boycott anything at the drop of a hat, why not this?

Come on....I want to watch them burning their checks to "stick it to the Libs."
 
2021-12-07 4:05:06 PM  

FrancoFile: whidbey: Michigan sure is a weird state.

When I first moved here and went online to Geico to update my car insurance, I just about crapped my pants.


When I moved to the Detroit area I was not pleased that my rates were (by far) more than when I lived in car mad crazy Los Angeles.

I also liked that the agent couldn't get me a discount even though I drive a boring sedan, have no accidents (knock on wood), no speeding tickets in past 10 years, own a home, etc.
 
2021-12-07 4:11:22 PM  

austerity101: Auto insurance should be nationalized along with health insurance.

Yeah, yeah, not everyone has a car or drives. Not everyone dies from cancer, either, but their insurance still covers the risk. And others can still get hit or have property damaged.

Let's have it available for everyone, paid through taxes.


Fark user imageView Full Size
 
2021-12-07 4:20:22 PM  

whidbey: Michigan sure is a weird state.


You live next to Ohio for a few centuries and not let it affect you.
 
2021-12-07 4:22:05 PM  

LL316: whidbey: Michigan sure is a weird state.

You live next to Ohio for a few centuries and not let it affect you.


We're caught between Wisconsin, Canada, and Ohio, with Chicago kicking us in the ballsac periodically.
 
2021-12-07 4:24:59 PM  

whidbey: Teddy Brosevelt: Doesnt michigan have some of the highest auto insurance rates in the country?

I sure as fark wouldn't want to drive there during the winter.


You're thinking Colorado. All those california people that have no idea how to handle snow.
 
2021-12-07 4:32:43 PM  

Uncle Eazy: Dems gotta buy votes somehow.


If a Republican does it, its letting people keep their own hard earned money.

But it's when a Democrat dares to do the same
 
2021-12-07 4:33:15 PM  
People like to dunk on conservatives for not understanding socialism but threads like these show there's plenty of people on both sides of the spectrum who have no clue.
 
2021-12-07 4:34:52 PM  

Hendawg: I'm taking my $400 to the bar I grew up around the block from, Subi's.  If you know you know


My Husband and Dad went every Friday for so long, that when they missed one, a stripper called the house to make sure they were alright.
 
2021-12-07 4:43:18 PM  

austerity101: SirEattonHogg: Teddy Brosevelt: Doesnt michigan have some of the highest auto insurance rates in the country?


Michigan "No Fault" is an interesting system.   As the name denotes, it's meant to cut down on litigation costs (it often doesn't for reasons too complicated to discuss here) because auto accident lawsuits don't focus on fault like pretty much every other state (a few other states have also dabbled in this system).  So basically, you could be blind drunk or high and get into a serious accident, and your insurance carrier will have to cover you for medical costs, possibly for life and if not the carrier than this industry backed fund (I think over certain limits, the carrier can look to the industry fund steps to cover costs).

Putting aside my extreme example, it is a nice system in theory - where everyone just looks to their own insurance carrier to cover auto damage costs and medical care, and there is no need to look and see who is really at fault - wasting time and money on processing claims and litigaitation.

However, the negative thing is the cost to prop up a system, every driver in the state must have auto insurance and the policy rates/premiums to do No Fault and have no cap on medical coverage is VERY expensive to the consumer.

I'm sure I'm missing some details - but those are the broad strokes to Michigan's insurance scheme.

Auto insurance should be nationalized along with health insurance.

Yeah, yeah, not everyone has a car or drives. Not everyone dies from cancer, either, but their insurance still covers the risk. And others can still get hit or have property damaged.

Let's have it available for everyone, paid through taxes.


Sounds like another way for the middle class to subsidize the rich.

Full coverage on my fleet of Bentleys? The peasants will cover it
 
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