No Fault Car Insurance Hurts, Not Helps

Because Michigan is a No-fault Car insurance State, those that need to be able to sue cannot. Take the case of Krysta Gagne. She was hit by a drunk driver, and sustained injuries that will plague her the rest of her life. But when she tried to sue to make up lost wages, etc. she was not allowed to.

The woman was only 21 at the time and sued the car insurance company, because he caused her injuries that she would have to live with for the rest of her life. However, the lawsuit was dismissed, because it is a no fault state. Because she could not claim that the accident had changed “the trajectory” of her life, she could not sue.

The problem is that it did change her life, but the court of appeals would not take any of her claims into consideration. They are appealing, but they will be looking at a long and costly road to get her any sort of restitution for her injuries.

Car insurance is changing however, to make it easier to sue, but that is a while off and does not help Gagne now. Meanwhile the Senate is playing their normal political wars, and people like Gagne are caught in the middle while they try to make up their minds.

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