House bill to lower insurance for Michigan drivers is defeated

LANSING (WJRT) - (11/02/17) - A late night vote in Lansing on Thursday, stalled a legislative effort to lower auto premiums for Michigan drivers.

21 year old Chris Garcia bought his very first car two years ago and was shocked when he purchased auto insurance for his new ride.

"It's super expensive, I just got a new policy and I haven't been in an accident or anything, I'm a pretty good driver I would say, but I still pay like $220 a month," said Garcia.

In fact, he says he pays more for the insurance than he does for the car that it covers.

"Yes, actually I do, which is kind of ridiculous," Garcia added. "And for two years I've been paying that much and I have yet to use any of that money for any reason."

Michigan is one of just 12 states that has no-fault insurance laws. No-fault insurance pays for your medical expenses, wage loss benefits, replacement services and the damage you do to other people's property. It does not matter who caused the accident.

Thursday, state lawmakers attempted to pass House Bill 5013. It would have changed the kind of coverage Michigan drivers had the option to purchase.

"It's way too expensive," said Cindy Bloomfield of Flint. "We shouldn't have to pay for the continuing insurance care for people."

Driver Brian Page of Burton adds "My mother and father-in-law just moved from the Burton area. They pay half of that in Ohio."

Lawmakers couldn't agree that this latest attempt was the right one for Michigan drivers, so now they'll be forced to go back to the drawing board to find a solution.

Until that happens, Garcia will continue to scrape by to keep his car covered. "I still work minimum wage and stuff like that, it's a lot of money that I could be using for other things that I need."

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