In The News

In The News

Friday, September 29, 2017


By Michael Nichols
Categories: Personal Injury

Every so often, the insurance industry tries to trick Michigan voters and lawmakers into reducing or modifying the No Fault benefits system. The current system allows for lifetime medical care for people who are injured tragically in serious accidents. Unlimited medical benefts when people need them are one of the major reasons to spend thousands of dollars on insurance coverage in the first place. Hopefully, none of us wlll ever need it – but if a child, spouse or another loved one covered on your policy is hurt tragically then the insurance company needs to do its job.

The well-heeled industry lobbysts are singing a familiar siren’s song that they usually do when they want to lower their client’s costs of doing business: “this bill will reduce premiums” and “there are too many lawsuits” and “Michigan’s No Fault system is too generous” or “people need more choices.” It is such a hollow tune, which only rings true in the board rooms of the insurance industry. Tort reform over the last 2 decades has has generally failed Michiganders. The call for additional reform should be heeded with caution. Rates have not gone down especially in cities like Detroit. The industry lobbyists have no data to persuade us that they will go down now if they get their way.

You never appreciate the unlimited medical benefit until you do need it. If you think medical expenses are high, consider the cost associated with 24 hour per day attendant care. A family member can provide attendant care services in Michigan today, but the latest “reform” bill seeks to limit attendant care services along with a host of other critical care components most people don’t think about until they have to.

The insurance industry is out to make Michiganders give up their rights, just for profit. This is not about reducing premiums – we all know that con because they said the same thing when they passed the No Fault Act in 1972. They don’t care about reducing lawsuits. Lawsuits are how insurance companies reduce their costs – in other words, they are always looking for ways to avoid having to pay benefits to the families who were their loyal policy holders. But the insurance company is always there to accept your premiums. Have they ever returned your check?

This latest “reform” effort offers Michiganders fool’s gold in exchange for less coverage. Think about that. If you want lawyers who know this area inside and out, hunt the insurance providers like a bear hunts salmon, remain on the cutting edge and who are committed to results, call the Nichols Lawyers at 517 432 9000 or email our personal injury team: or James Heos at or Matt Heos at

#committedtoresults #MichiganPersonalnjuryLawyers #autoinsurancereform #thetruthabouttheinsurancereformbill

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Peer Recognition

Mike Nichols is a national leader in drunk driving defense. He is a member of the Forensic Committee and Michigan delegate to the National College for DUI Defense. He is also a Sustaining Member of the College. Nichols is also a founding member of the Michigan Association of OWI Attorneys; a member of the American Chemical Society; an associate member of he American Academy of Forensic Science, Adjunct Professor of Forensic Evidence in Criminal Law and OWI Law and Practice at Cooley Law School. He is also author of the West OWI Practice book and several chapters in other books on science and the law.

Mike Nichols is recognized by his peers in Michigan as a “SuperLawyer” in DUI/Criminal Defense. Nichols has also been asked to speak at conferences by groups such as the NCDD; Various Bar Associations in other states.