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News & Announcements

No-Fault: Fix It, Don't Nix It15-May-2017

"Bad Behavior Also Applies to Insurance Companies" Thanks to the FREEP’s JC Reindl for an informative overview of Michigan’s auto no-fault situation. The series shines in underscoring.. Read More...

Capitol Day, Annual Meeting, and Spring Fling03-Apr-2017

On Wednesday, May 17th, we will be gathering in the Mackinaw Room for Capitol Day 2017. It's a chance for brain injury survivors, their friends and family members, caregivers, and professionals to.. Read More...

March is Brain Injury Awareness Month02-Mar-2017

March is Brain Injury Awareness Month. Throughout this month, BIAMI has various activities, events, initiatives, and special programming across the state. A few notable events lined up include our.. Read More...

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BIA HOME : Time Sensitive - Contact your representative TODAY!

Time Sensitive - Contact your representative TODAY!

24-Apr-2015 Senate Bill 248 (H-3) passed the Insurance Committee and is headed to vote in the House of Representatives. This bill, as it stands, significantly benefits and places great power in the hands of the insurance industry, while detrimentally impacting the rights and coverage of catastrophic auto accident survivors and their caregivers. There is still no balanced approach to fraud or transparency being addressed in the bill, and it is simply unacceptable. Your action is needed today! Please contact your House Representative immediately and ask for a NO vote on Senate Bill 248 (H-3).

We must work together quickly to inform our representatives of the life-changing decision they are about to make. Call, write and visit your representative today. Click Here to send your letter now - Vote NO on SB 248. Remember to change your subject and sign the email to increase the chances that your email will be read.
Here is a link to an informative blog post by Tom Sinas from the Sinas Dramis Law Firm that accurately explains the bill and our concerns. Please read this article for more information. Some talking points for you to review are also outlined below.
  • Capping of family care reimbursement rates as it is currently stated - $15.00/hour for all services - is simply wrong.  We have proposed a scaled rate based on the care rendered and where the person lives in the state.
  • Restricting care to 24 hours of care per day is likely reasonable for most cases; however, there must be language added that this could be modified should there be a need for multiple people throughout the day to provide safe or high-need care.
  • The bill, as written, could have negative ramifications for ALL persons who are receiving reimbursement through the MCCA. There is nothing in the language of the bill that indicates that the proposed reimbursement reduction will only apply towards future accident victims.
  • The bill does not address what happens if someone currently being reimbursed by the MCCA is involved in another serious car crash - who handles the reimbursement then?; will they have to deal with both the MCCA and the new MCCC?; what happens if the new claim is denied because it was a pre-existing condition? - as you can see, having two catastrophic claims authority is confusing and not adequately defined.
  • The care reimbursement rate that has been added (150% of the Medicare rate) could cause a negative ripple effect. This is a basic economic principle: If prices goes down, supply goes down. Namely, the loss of available services being available; and/or doctors or providers willing to deliver those services.  Therefore, this could be harmful to current victims and families.

Thank you for standing with us in this continuous battle for coverage and fairness. Click Here to send your letter now!
Additional Informative Links:
    Dr. Mike Andary specializes in physical medicine and rehabilitation. Unfortunately, he was not called upon to testify during Tuesday's hearing. This powerful video details what he would have said.

    Listen to this well informed and much needed interview on Senate Bill 248 that took place yesterday on WTCM radio with Tom Sinas from the Sinas Dramis Law Firm

  • Social Media Messages
    Use social media to help tell the Auto No-Fault story. Here are some SB 248 auto insurance reform BIAMI and CPAN sample Twitter posts.