No-fault car insurance comes home to Southwest Michigan

ST. JOSEPHIn Michigan The change to no-fault cars is working well for auto insurance companies, but not for those who have been seriously injured in car accidents, he said. Sarah Rheinregistered nurse manager of Private Duty Home Healthcare about Joseph St.

Rhein spoke at a press conference at his office Thursday about how the first year of the car swap has gone.

“It’s going well for (car insurance companies) because they’re saving a lot of money,” he said. Sarah Rheinregistered nurse manager of Private Duty Home Healthcare about Joseph St.

The law was enacted in 2019, but he said the part that harms people who are seriously injured has not started yet. July 1, 2021. That’s when auto insurance companies are required to begin reimbursing providers for 55 percent of what they pay in 2019 for non-Medicare services, which include home care. The rate dropped to 54 percent this July and will drop to 52.5 percent later July 1, 2023.

Rhein said no one can afford to continue working at 55 percent of what they were paid in 2019.

“We have the option of leaving a vulnerable, disabled person who, in some cases, could die when we get them out, or we can provide long-term care, which is not possible,” Rhein said.

He said benefits for all seriously injured people were cut because no one was “grandfathered” in.

Theresa Ruedisueliarea manager for Arcadia Home Care, which includes an office in Benton HarborHe said his company was treating 30 patients who were injured in car accidents when the change began.

“We have about 15 now that we’ve been able to continue care,” he said, adding that he doesn’t know how long the 15 will be able to pay 45 percent of their care out of pocket.

Ruedisueli said his company has done so $2 million in unpaid bills on the books due to the low payouts that auto insurance companies are making.

“It’s not permanent,” he said. “It is not possible to continue publishing these stories without any resolution.”

In addition, Rhein said at least five people have died around the state after losing home health care because of the change in the law.

Before the law was changed, drivers had to have unlimited personal protection (PIP), ie Michigan drivers were among the most expensive car insurance in the country.

Rhein said the state’s auto insurance remains among the highest.

“You have to be careful because you’re paying close to what you were paying (premiums) to reduce the spread,” he said.

Rhein said there are 18,000 people in the state who have been seriously injured in car accidents. An additional 1,000 people are expected to be injured each year.

In 1978, Mr Michigan Legislature he made Michigan Catastrophic Claims Association (MCCA), a not-for-profit organization that sets a maximum PIP benefit for each vehicle, which is paid to drivers through their auto insurance companies.

Rhein said the MCCA has done so $23 billion more PIP money that can be used to continue providing care to people with serious injuries.

He said these are private money people pay to their auto insurance companies, not tax dollars. Before the new law, he said, insurance companies told the MCCA how much treatment an injured person needed.

“Now, MCCA can tell your insurance company, ‘We’re not going to reimburse you if you pay for this care,'” Rhein said. “You have a contract with your insurance company. You don’t have a contract with MCCA, but they tell you what you can get.”

Ruedisueli said that when he tells people about the change and the negative effects they are experiencing on the seriously injured, they are surprised and want to know how they can help.

He said people can find more information on the Facebook page “We Can’t Wait.”

Rhein said he was disappointed that no local elected officials participated in Thursday’s public hearing. He said he was told that he would be available after the August primary election which was held last week.