Lawmakers look to crack down on uninsured drivers

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MICHIGAN (NEWSCHANNEL 3) – Michigan drivers continue to pay more for car insurance than any other state. That’s partly because of lucrative benefits provided by Michigan’s auto no-fault insurance.

Within the last two weeks, lawmakers in Lansing took a look at a proposal that may have saved you money for your car insurance. That proposal died because some lawmakers didn’t like that it capped certain benefits.

Now one Michigan lawmaker says he has an idea that wouldn’t cap insurance benefits and could save you a lot of money.

“The people I serve and elected me, they’re first and foremost concerns was I can’t afford this insurance anymore,” said Rep. Peter Lucido, R-Shelby Twp. “What are you going to do about it as my legislator.”

Now Rep. Lucido is trying to tackle the high cost of car insurance in Michigan by going after the 27 percent of drivers who drive without insurance.

“We’re all penalized by them not having insurance,” said Rep. Lucido. “We are paying more.”

Lucido’s bill would require police officers to take your license plate off your vehicle if you are caught driving without car insurance.

It would then require the uninsured driver to purchase car insurance six months at a time, which Lucido says is already law, but he says there’s a problem there.

“No one is enforcing it,” said Rep. Lucido.

Lucido says premiums would go down if the state required and made sure that Michigan’s 1.8 million uninsured drivers had insurance.

Representative Tom Chochran, D-Mason, says that some people simply can’t afford car insurance in Michigan.

“The system has made it to the point where some of these people don’t have a choice,” said Chochran, “because they need to have transportation to be able to go to a job. Sometimes these are folks who are working two or three jobs to support their family.”

Lucido says he feels bad that some people can’t afford car insurance in Michigan.

“But, how is it they bought a car when they knew they had to have, as a prerequisite, insurance to put on it,” said Lucido. “So it’s kind of like buying a bicycle, if you don’t have tires, it doesn’t go anywhere.”

Newschannel 3 asked Governor Snyder about tackling the cost of car insurance in Michigan. He says lawmakers shouldn’t be talking about capping benefits, which neither Lucido or Chochran are. Instead, Snyder says a big reform area is looking at how much people get charged for services if they get in a car accident.

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