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2012 House Bill 5782: Mandate insurance rate cuts in depopulating cities
  1. Introduced by Rep. Lisa L. Howze (D) on July 18, 2012, to force auto and property insurance companies to cut renewal rates by 20 percent for residents of a depopulating city (one whose population fell at least 10 percent in the last census, including Detroit), if the average rates in the city are more than 50 percent above the average rates in communities within 20 miles. The bill would also prohibit an insurer from raising the rates of a home or auto policyholder in a depopulating city if the person files a first-time claim. Finally, the bill would impose a $50 million tax on the Michigan Catastrophic Claims Association (MCCA), the reinsurance provider that covers unlimited vehicle accident medical claims above $500,000, and use this money to reimburse insurance companies for the mandated discounts proposed by the bill; money to fund the MCCA comes from mandatory per-vehicle surcharges imposed on all auto insurance policyholders statewide.
    • Referred to the House Insurance Committee on July 18, 2012.


Re: 2012 House Bill 5782 (Mandate insurance rate cuts in depopulating cities )  by TaterSalad on August 21, 2012 
This bill is a complete joke! Take a look at who introduced it! A Democrat. This is your typical liberal legislation and "Re-Distribution of the Wealth" bill and needs to be placed squarely in a waste basket.

Re: 2012 House Bill 5782 (Mandate insurance rate cuts in depopulating cities )  by suckingusdry on August 20, 2012 

 so everyone else's MCCA money will pay for burned out big cities auto insurance.  Then they will raise my MCCA fee to cover there cost.  MCCA needs eleminated!! I get charged for every vechile I own(car & 2 bikes), but can only drive one at a time.  I pay full price for motorcycles when I can only use it if I hit or get hit by a 4 wheeled vechile. And now they want to use it for subsidizing other peoples auto insurance cost?  Insurance is over priced because it's manditory to have so they can do what they want.  MCCA should be eleminated not used for perpose's it was never intended for.  They need to open the books on MCCA so everyone can see wher OUR money is going!

2012 House Bill 5782 (Mandate insurance rate cuts in depopulating cities )  by admin on August 20, 2012 
Introduced in the House on July 18, 2012

Click here to view bill details.

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