The Educated Consumers Guide to No-Fault Automobile Insurance

How America can save billions in Medicaid costs and create comprehensive and unlimited medical benefits for life, for American’s, who are catastrophically injured (brain and spinal cord injuries) in automobile accidents!

by John Gwynne Prosser II



Book Details

Language : English
Publication Date : 8/23/2005

Format : Softcover
Dimensions : 5x8
Page Count : 192
ISBN : 9781420859485

About the Book

This book is about a solution to a huge problem!


Catastrophic injury in an automobile accident is a very serious life altering event.

Are you prepared? Have you ever considered it? Can you imagine the impact on you or your loved ones if this very unfortunate event visited you?


According to a Harvard Medical School study medical bills cause an average of 2 million personal bankruptcies every year, most of those people have health insurance. Are you an automobile accident away from bankruptcy?


What Kind of Automobile insurance do you have? What is your coverage for personal injury? Does it cover in home nursing care after a brain injury or spinal cord injury?

What kind of Health insurance coverage do you have? Does it cover in home nursing care after a catastrophic automobile accident? Does it provide wage loss benefits?


Michigan is the only state in America that provides lifetime unlimited medical benefits, which covers products and services (including in home nursing care and wage loss benefits) needed as the result of injuries sustained in an automobile accident!  Why doesn’t your state?


Brain injury is a silent epidemic in America, every year there are over 1.5 million brain injuries in America and 44% are from Automobile accidents! Spinal cord injuries from Automobile accidents are significant as well!


If you or your loved ones are in a catastrophic automobile accident, this is how the process will flow in every other state than Michigan. You will be transported to a Hospital by ambulance and then you will receive the maximum medical care allowed under your automobile and health insurance. Once both of those limits of coverage are exhausted you will be sent home regardless of your condition. Then you will discover that you do not have in home nursing care coverage. Then you will spend your personal assets, to buy the services you need. Then you will run out of resources, at which point you can qualify for Medicaid services (based on economic need) and then discover there is an acute nursing shortage in America, and super-acute shortage for the low paying Medicaid assignments. Whatever level of benefit you do qualify for under Medicaid is wholly inadequate compared to your very real need. Once you qualify for Medicaid you are precariously close to personal bankruptcy and losing your home. There is a solution!


The Michigan Model for No-Fault Automobile insurance is a solution that will serve to provide a quality of life including in home nursing care for accident victims and at the same time it will save States billions of dollars in Medicaid costs.


Please start today and get educated on this subject, review your coverage ( lack of coverage) on your automobile and health insurance policies and check the low limits of coverage and ask yourself, why don’t we have what Michigan has?

Then lobby your state Governor and State Legislators to adopt the Michigan Model for No-Fault Automobile Insurance. You already pay for automobile insurance why aren’t you getting unlimited medical benefits for life, like Michigan?


This book explains all of the benefits in detail as well as how this model is funded by the purchasers of the insurance and provides the win/win dynamic of a cap on cost’s for insurers while providing benefits for life for automobile accident victims. This model was created by the Michigan Legislature who in their wisdom crafted a plan that is comprehensive and compassionate.


40% of all royalties are being donated as follows: 20% to the National Spinal Cord Injury Association and 20% to the Brain Injury Association of America.


It is your fault if you don’t know about no-fault!

About the Author

It is through my experience with our clients and that I decided to write this book.


I have been, the Vice President of Health Partners Inc. for the past twelve years.

Health Partners is a Michigan company which provides homecare nursing and attendant care services, and which specializes in serving brain and spinal cord injured patients. Many of our clients are automobile accident victims and our services are developed to accommodate each individual’s unique needs. Our clients often require nursing care 24 hours per day everyday. Our clients often require very complex care, supplies, electric wheelchairs, home modifications, ramps, adapted vans, multiple doctors, therapies, hospital beds, and many other reasonably necessary services and medical equipment.


In Michigan we have automobile insurance which provides unlimited medical benefits for injuries sustained in an automobile accident. We are the only state in America which has this benefit!


I see the extraordinary needs that a person with a catastrophic injury presents and the level of care they need and can get through their Michigan no fault automobile insurance coverage and I realize it is truly a blessing for the patient and their families. I cringe when I meet people who have loved ones in other states injured in an automobile accident and they do not have this benefit. Their circumstance is crushing, neither the auto nor the health insurance provide coverage for  this kind of in home nursing care, so as soon as you spend down your assets you can qualify for Medicaid, then you will discover the super-acute shortage of nursing personnel for Medicaid services, which are meager at best compared to your need. You could actually march to bankruptcy because of an accident and the saddest part is that hardly anyone is actively aware of this. Our Medicaid budgets are growing and breaking state budgets, I believe the Michigan Model for Automobile insurance if adopted in other states will provide millions of Americans with a compassionate quality of life if injured (they are already paying for insurance without this benefit) and it will save states billions of Medicaid dollars for services now given to automobile accident victims, and it won’t bankrupt families. This unlimited medical benefit is funded by all of the states insured drivers, who pay an annual premium contribution to the Michigan Catastrophic Claim Association which provides reinsurance coverage for accident victims who have the need.  I want to educate Americans everywhere that this Michigan auto insurance model solves a big problem for many people and saves billions in Medicaid dollars.