The Michigan House of Representatives this week approved a landmark plan to fix our state’s much-maligned car insurance system and reduce rates for all Michigan drivers, state Rep. Gary Howell announced.

Howell voted in favor of the plan to offer drivers personal injury coverage options, rein in medical costs and fight fraud – features designed to end Michigan’s long-standing tenure as the state with the costliest car insurance rates in the nation. The plan also mandates insurance premium reductions.

“This plan marks a tremendous victory for Michigan drivers. The proposal approved today by the Michigan House will reduce car insurance rates across the state by controlling fraud, waste and abuse rampant throughout Michigan’s broken system,” Howell, of North Branch, said after the vote. “It will deliver reduced rates by controlling medical costs and letting drivers choose the coverage they need.”

Michigan’s costs are high largely because it’s the only state mandating unlimited lifetime health care coverage through car insurance. The plan allows those currently using the coverage to keep it, and those who want it in the future to continue buying it – while providing more affordable options.

The plan:

• Guarantees lower rates for all Michigan drivers
• Gives drivers a choice on health coverage options
• Stops price gouging on medical services for car accident victims
• Combats fraudulent claims to help lower costs

The sweeping legislation now advances to the Senate for consideration.