Understanding How Obamacare Impacts Our No-Fault System

Michigan Auto No-Fault Law and the Affordable Care Act: What You Need to Know

Both the Michigan No-Fault Law and the Affordable Care Act (also known as “Obamacare”) will be a part of our lives for the foreseeable future. As such, its imperative that you understand how both of these insurance systems function and how they may affect you.

Our Michigan auto accident lawyers are known not only for their dedication to their clients, but also for their leadership and knowledge of the laws, rules, and regulations that govern the realm of auto insurance, particularly our state’s no-fault law. Our Sinas Dramis attorneys are seen as the leaders in this area of law, publishing articles, lecturing extensively on the subject, and advocating for the system’s protection and preservation.

In this regard, Stephen Sinas, one of our Lansing car accident attorneys, has dedicated a significant portion of time and energy to thoroughly understanding the Affordable Care Act and how it impacts the Michigan No-Fault Law. As a result of Steve ‘s research and efforts, he recently contributed to “Troubleshooting the Affordable Care Act,” an article published by the State Bar of Michigan Health Law Section that sought to break down the Affordable Care Act; his section, titled “The Intersection of the Affordable Care Act and the Michigan No-Fault Automobile Insurance Act,” specifically discussed Obamacare’s intersection with the no-fault insurance system.

Among some of the conclusions Steve reached in his analysis of no-fault and our nation’s health insurance system are the following:

• The no-fault law provides far broader protections and benefits for persons who suffer a car accident injury in Michigan when compared to the Affordable Care Act.
• No-fault auto insurance providers should only be permitted to set off payment of no-fault benefits by the amount that was paid under the accident survivor’s health insurance coverage under the Affordable Care Act only if the individual had a coordinated auto insurance policy.
• Obamacare may actually impact whether Michigan residents choose to purchase either coordinated no-fault insurance coverage or uncoordinated auto insurance coverage.
• The financial burdens and costs of the Michigan no-fault system may indeed be lessened due to Obamacare.

You may downloaded a copy of this comprehensive article at no cost to you. Should you have any questions or concerns regarding its contents, please contact our law office.