No Fault Auto Insurance

Repeal / Reform No Fault Auto Insurance

Michigan drivers face some of the highest insurance rates in the country. Libertarians support repealing no-fault insurance and returning to a tort-based auto insurance system. Repealing no fault insurance will reduce the financial burden and give drivers more choice in their coverage options.


Because no-fault insurance is mandatory, there is less incentive to control costs. The special interests that fund and lobby our politicians (insurance companies, hospitals, trial attorneys, etc…) want mandatory insurance because drivers must purchase there services even if they don’t want or cannot afford them. Tort based systems are less expensive because medical providers are more likely to bill health insurers, reducing medical costs and reducing auto insurance premiums.


Since insurance rates are partially determined by where a driver lives, those living in low income, high crime neighborhoods face the highest costs. This makes it difficult for poor people to afford insurance and causes many otherwise law abiding people to drive uninsured. For the working poor, getting a ticket for driving without insurance is often their first step in getting caught up in the criminal justice system.


The Libertarian Party of Michigan enters the fray to reform No Fault and challenge special interest groups that have been undermining voters for decades.

October 16, 2017

CONTACT:  Libertarian Party of Michigan No Fault Reform Spokesperson Paul Connolly, (248) 494-6086,, or Libertarian Party of Michigan Chair Bill Hall, (616) 460-9516,

Lansing, MI – As special interest groups descend upon Lansing to oppose House Bill 5013, which would reform Michigan’s Auto No Fault Law, the Libertarian Party of Michigan is taking action to support this multi-partisan legislation.  Although this bill is not perfect, it is a clear step in the right direction and could provide long overdue financial relief for Michigan drivers.

As a newly-recognized major political party in Michigan, Libertarians want to tip the scales in favor of the voters, rather than the special interest groups that have contributed millions of dollars to the campaigns of Republican and Democratic state lawmakers to prevent any type of reform.  Despite overwhelming support from the public to enact measures that could reduce auto insurance premiums, the Michigan legislature has ignored the wishes of their constituents for decades as they’ve served the will of lobbyists and political action committees.

The Libertarian Party is determined to let the voice of the people be heard.  We encourage any voter who will no longer tolerate unaffordable auto insurance to object by sending a copy of their insurance bill to any legislator standing in opposition to reform.    While many opponents of this bill will argue that No Fault in its current form is the best insurance coverage in the country, the Libertarian Party contends that this bill is a reasonable compromise.  HB 5013 does not eliminate the benefit of unlimited personal injury protection.  It allows consumers to determine if that option is too expensive or unnecessarily excessive, considering their current medical coverage.  It is a core belief of the Libertarian Party that people should have the freedom to make decisions about their own lives, and not be forced by government.  House Bill 5013 would, for the first time in 40 years, allow Michigan drivers the freedom to choose the best level of insurance coverage for them.

With auto insurance premiums continuing to skyrocket, we ask Michigan voters to exercise their right to demand change by holding their elected officials accountable.  If House Bill 5013 is not passed, the Libertarian Party of Michigan intends to offer voters a candidate to challenge every incumbent who voted against No Fault reform.  As the Libertarian Party continues to gain support, voters can trust that our candidates will keep their Libertarian Promise to Michigan to act on behalf of the people rather than the political establishment that has long been serving the will of special interests.

On the issue of No Fault reform, the Libertarian Party is drawing a line in the sand because we believe that people should be empowered to make decisions for themselves.  No longer will we sit on the sidelines while Democrats and Republicans allow lobbyists to burden Michigan drivers with some of the highest auto insurance premiums in the nation.

To contact your legislators, visit  To learn more about the Libertarian Party of Michigan, visit