Auto Insurance Reform in Michigan

What Can the Data Tell Us?

Paul Heaton

ResearchPublished Mar 9, 2010

Legislators and consumer groups in Michigan have recently proposed a number of reforms designed to reduce the costs of auto insurance in the state. In this paper, the author examines how auto-crash claiming patterns in Michigan differ from those in other states and considers how these differences might affect consumer costs. It shows that the fact that premiums are higher in Michigan than in other states can be explained by higher levels of reimbursement provided to injury victims and their medical providers. This pattern suggests that reforms that change claiming behavior may have considerable potential for lowering auto premiums in Michigan.

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  • Copyright: RAND Corporation
  • Availability: Available
  • Year: 2010
  • Print Format: Paperback
  • Paperback Pages: 8
  • Paperback Price: $15.00
  • Paperback ISBN/EAN: 978-0-8330-4955-1
  • DOI: https://doi.org/10.7249/OP293
  • Document Number: OP-293-ICJ

Citation

RAND Style Manual
Heaton, Paul, Auto Insurance Reform in Michigan: What Can the Data Tell Us? RAND Corporation, OP-293-ICJ, 2010. As of October 4, 2024: https://www.rand.org/pubs/occasional_papers/OP293.html
Chicago Manual of Style
Heaton, Paul, Auto Insurance Reform in Michigan: What Can the Data Tell Us? Santa Monica, CA: RAND Corporation, 2010. https://www.rand.org/pubs/occasional_papers/OP293.html. Also available in print form.
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