PROPERTIES INSURANCE

Medical or Funeral Insurance? More Zimbabweans Choose to Secure Death Over Health

June 13, 2018 0

Medical or Funeral Insurance? More Zimbabweans Choose to Secure Death Over Health

(adsbygoogle = window.adsbygoogle || []).push({}); MUTARE, ZIMBABWE — Cellphone minutes are in constant demand, so Susan Musungambira, who sells cards that replenish those minutes, has no problems with job security. But her income is another issue. …

Health Insurance Coverage for Pre-Existing Medical Conditions Is on the Line

June 13, 2018 0

Health Insurance Coverage for Pre-Existing Medical Conditions Is on the Line

(adsbygoogle = window.adsbygoogle || []).push({}); People with pre-existing medical conditions could lose their individual health insurance coverage if a judge rules in favor of the 20 states currently suing the federal government over the constitut…

The cost of your health insurance may hold steady next year. Thank the tight labor market

June 13, 2018 0

<div class="embed-container image" itemscope="" itemtype="https://schema.org/ImageObject" style="background-color: white; border: none; color: #424858; font-family: "Gotham Narrow SSm 4r", Arial; font-size: 16px; margin: 0px 0px 20px; overflow: hidden; user-select: text;">
<img alt="A neurologist checks a patient during an exam at the St. Vincent Hospital in Leadville, Colorado." data-enlarged-image="https://fm.cnbc.com/applications/cnbc.com/resources/img/editorial/2016/12/21/104180543-GettyImages-459624106.1910x1000.jpg?v=1482335740" height="224" src="https://fm.cnbc.com/applications/cnbc.com/resources/img/editorial/2016/12/21/104180543-GettyImages-459624106.530x298.jpg?v=1482335740" style="border: 0px; user-select: text;" width="400" /> </div>
<div class="embed-container image" itemscope="" itemtype="https://schema.org/ImageObject" style="background-color: white; border: none; color: #424858; font-family: "Gotham Narrow SSm 4r", Arial; font-size: 16px; margin: 0px 0px 20px; overflow: hidden; user-select: text;">
<br />
<div class="attribution" style="font-size: 11px; line-height: 16px; padding: 0px 0px 10px; user-select: text;">
<br /></div>
</div>
<div class="group" itemprop="articleBody" style="background-color: white; color: #424858; font-family: "Gotham Narrow SSm 4r", Arial; font-size: 16px; overflow: hidden; user-select: text;">
<div style="margin-bottom: 18px; padding: 0px; user-select: text;">
The tight job market has employers large and small rethinking their health benefits for 2019.</div>
<div style="margin-bottom: 18px; padding: 0px; user-select: text;">
According to researchers at PwC, the big goal next year is to try to insulate workers from rising health costs.</div>
<div style="margin-bottom: 18px; padding: 0px; user-select: text;">
For Atlantic Health System in New Jersey, that means a bold plan to join with five other New Jersey hospitals on a health insurance venture, which will leverage the size of their combined 50,000-person workforce to get better deals from insurers and pharmacy benefit plans.</div>
<div id="inline_movable_ad" style="user-select: text;">
</div>
<div style="margin-bottom: 18px; padding: 0px; user-select: text;">
"How do you drive out unnecessary utilization, while maintaining very high quality?" explained Brian Gragnolati, Atlantic's CEO. "We've got a lot of experiences with that so what we're trying to do here is take those best practices and apply them to our own workforce."</div>
<div style="margin-bottom: 18px; padding: 0px; user-select: text;">
Gragnalti believes the combined plan could help Atlantic cut health benefit costs by 10 percent — that's cash they can put toward retaining workers in a competitive market.</div>
<div style="margin-bottom: 18px; padding: 0px; user-select: text;">
"If you're spending more money on benefits, it's less money that you can spend on wages. The opportunity for savings here allows us to put more in our employees' pockets," he said.</div>
<div style="margin-bottom: 18px; padding: 0px; user-select: text;">
Researchers at PwC's Health Research Institute are projecting that large employers will see health costs increase 6 percent in 2019, according to their latest medical cost trend report.</div>
<div style="margin-bottom: 18px; padding: 0px; user-select: text;">
The growth rate has hovered between 5.5 to 7 percent for the last five years. But for 2019, large employers surveyed for the report are rethinking some of the benefit designs they've used to keep expenses in check over the last few years.<br />
<br style="user-select: text;" />
"When we asked 'what are you doing in terms of strategy'… last year, a lot of them were going to go full replacement, high-deductible plan. This year they really backed off," from plans to do that, said Barbara Gniewek, a principal with PwC who focuses on employer health benefits consulting.</div>
<div style="margin-bottom: 18px; padding: 0px; user-select: text;">
Employers continue to be focused on bringing overall costs down by designing medical plans with tighter provider networks, and drug plans with restrictive brand name formularies. But most large employers are trying to avoid raising deductibles and shifting more costs to employees, and planning to absorb the higher costs.</div>
<div style="margin-bottom: 18px; padding: 0px; user-select: text;">
"We really think that's because they're worried about the labor market being so tight," Gniewek said, adding, "so they're kind of staying exactly where they are … not shifting costs to employees."</div>
<div style="margin-bottom: 18px; padding: 0px; user-select: text;">
They are also investing more in services and digital tools to help employees optimize their benefits. Researchers found employers with a workforce under 35 place a higher priority on hiring health-care vendors focused on a better consumer experience.</div>
<div style="margin-bottom: 18px; padding: 0px; user-select: text;">
Like <a class="inline_quotes" data-gdsid="9399" data-inline-quote-symbol="AMZN" href="https://www.cnbc.com/quotes/?symbol=AMZN" style="color: #2077b6; font-family: "Gotham Narrow SSm 5r"; outline: none; text-decoration-line: none; user-select: text;">Amazon</a>, <a class="inline_quotes" data-gdsid="11916" data-inline-quote-symbol="BRK.A" href="https://www.cnbc.com/quotes/?symbol=BRK.A" style="color: #2077b6; font-family: "Gotham Narrow SSm 5r"; outline: none; text-decoration-line: none; user-select: text;">Berkshire Hathaway</a> and <a class="inline_quotes" data-gdsid="22333" data-inline-quote-symbol="JPM" href="https://www.cnbc.com/quotes/?symbol=JPM" style="color: #2077b6; font-family: "Gotham Narrow SSm 5r"; outline: none; text-decoration-line: none; user-select: text;">J.P. Morgan</a>, Atlantic and its partners in New Jersey are hoping to leverage data and digital tools to help make health benefits easier to navigate for their workers.</div>
<div style="margin-bottom: 18px; padding: 0px; user-select: text;">
"This gives us an opportunity to really prove to ourselves and prove to our local employer markets that we can develop something that's different," said Gragnolati.</div>
<div style="margin-bottom: 18px; padding: 0px; user-select: text;">
While it's not clear when the Amazon-led initiative will get off the ground, the hospital alliance expects to finalize its plan this month and expects to roll out the health plan for 2019 open enrollment in the fall.</div>
</div>
<script async="" src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script>

<br />
<ins class="adsbygoogle" data-ad-client="ca-pub-1903493567312805" data-ad-format="auto" data-ad-slot="9968898575" style="display: block;"></ins><script>
(adsbygoogle = window.adsbygoogle || []).push({});
</script>

The cost of your health insurance may hold steady next year. Thank the tight labor market

(adsbygoogle = window.adsbygoogle || []).push({}); The tight job market has employers large and small rethinking their health benefits for 2019. According to researchers at PwC, the big goal next year is to try to insulate workers from rising heal…

Thousands of UK motorway drivers face higher car insurance costs for doing THIS

June 13, 2018 0

<img alt="Motorway UK" height="237" src="https://cdn.images.express.co.uk/img/dynamic/24/590x/Motorway-UK-car-insurance-973558.jpg?r=1528884487128" width="400" /><br />
<br />
<script async="" src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script>

<br />
<ins class="adsbygoogle" data-ad-client="ca-pub-1903493567312805" data-ad-format="auto" data-ad-slot="9968898575" style="display: block;"></ins><script>
(adsbygoogle = window.adsbygoogle || []).push({});
</script>

<div style="background-color: white; border: 0px; color: #333333; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
UK motorists using the motorway could face paying higher car insurance costs, according to new analysis.</div>
<div style="background-color: white; border: 0px; color: #333333; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
Drivers who get a conviction for speeding could add as much as an extra £101 to the annual cost of car insurance, revealed Consumer Intelligence.</div>
<div style="background-color: white; border: 0px; color: #333333; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
The analysis of around 36,000 insurance quotes over the past year to April found the average cost a speeding offence has on your premium. </div>
<div style="background-color: white; border: 0px; color: #333333; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
In addition to the minimum £100 fine and three penalty points for speeding will add on average £50 onto your annual premium.</div>
<div style="background-color: white; border: 0px; color: #333333; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
It found that drivers without any speeding convictions pay an average £693 a year but that jumps to £743 a year with any speeding conviction.</div>
<div style="background-color: white; border: 0px; color: #333333; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
The biggest impact on bills, however, comes from being caught speeding on a motorway – the so-called SP50 offence, which adds £101 a year to bills taking them to £794 a year.</div>
<div style="background-color: white; border: 0px; color: #333333; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
SP30 offences for speeding on a public road adds an average £36 a year to insurance taking it to £729.</div>
<div style="background-color: white; border: 0px; color: #333333; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
Older drivers over the age of 50 face a higher punishment for a speeding conviction.</div>
<div style="background-color: white; border: 0px; color: #333333; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
They could see their annual bill rise by £58 for any speeding convictions but will pay an extra £166 a year for a motorway speeding offence.</div>
<div class="text-description" style="background-color: white; border: 0px; color: #333333; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px; line-height: 20px; margin: 0px 0px 15px; padding: 0px; transform: none;">
<div style="border: 0px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
<span style="border: 0px; margin: 0px; padding: 0px; transform: none;">Speeding fines in the UK can cost drivers to £2,500 depending on the severity of the </span>offence<span style="border: 0px; margin: 0px; padding: 0px; transform: none;">.</span></div>
<div style="border: 0px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
Almost two million fixed penalty notices were issued in 2016, a 32 per cent increase from 2011.</div>
<div style="border: 0px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
Speeding endorsements remain on driving licences for four years from the date of the offence and insurers ask drivers to declare any motoring convictions within the past five years.</div>
<div style="border: 0px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
John Blevins, Consumer Intelligence pricing expert said: “Our analysis shows that the cost of speeding is not just the fine but the higher insurance bill.</div>
</div>
<div class="photo changeSpace" style="background-color: white; border: 0px; color: #333333; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px; margin: 0px 0px 14px; padding: 0px; transform: none;">
<div class="withoutCaption" style="border: 0px; padding: 0px; position: relative; transform: none;">
<img alt="Speed camera" src="https://cdn.images.express.co.uk/img/dynamic/24/590x/secondary/speed-camera-1379160.jpg?r=1528884487268" style="border: 0px; box-shadow: rgb(0, 0, 0) 0px 0px 0px; height: auto; margin: 0px; padding: 0px; transform: none; vertical-align: middle; width: 590px;" title="Speed camera" /><span class="photo-caption defaultLeft" style="background: url("about:blank") 0px 0px repeat scroll; border: 0px; bottom: 0px; color: white; font-size: 9px; font-stretch: normal; left: 0px; line-height: 13px; margin: 0px; padding: 3px 6px 2px; position: absolute; right: 0px; transform: none; z-index: 2;">GETTY</span></div>
<span class="newsCaption" style="border-bottom-color: rgb(221 , 221 , 221); border-bottom-style: solid; border-width: 0px 0px 1px; color: #959595; display: block; font-size: 12px; margin: 0px; padding: 4px 0px 7px; transform: none;">Almost two million drivers were caught speeding in 2016</span></div>
<div class="text-description" style="background-color: white; border: 0px; color: #333333; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px; line-height: 20px; margin: 0px 0px 15px; padding: 0px; transform: none;">
<div style="border: 0px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
“At more than £100 a year for being caught exceeding the limit on a motorway or £50 on a public road, it is substantial considering insurers ask about any convictions in the past five years.</div>
<div style="border: 0px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
“Insurers understandably take the view that drivers who break the speed limit are potentially a greater risk and as a consequence put up the cost of motor insurance.</div>
<div style="border: 0px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
"Premiums may be heading down again after years of increases but drivers who break the law will not benefit from any price reductions.”</div>
</div>
<div class="p402_hide htmlappend" style="background-color: white; border: 0px; color: #333333; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px; margin: 0px; padding: 0px; transform: none;">
<div class="text-description" style="border: 0px; line-height: 20px; margin: 0px 0px 15px; padding: 0px; transform: none;">
<div style="border: 0px; margin: 0px; padding: 0px; transform: none;">
<div class="video-player-container dx ns-videoplayer" data-ns-player="container" style="background: rgb(0, 0, 0); border: 0px; margin: 0px; max-width: 100%; padding: 0px; position: relative; transform: none;">
<h3 class="vjs-headline" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; color: white; font-size: 16px; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; height: 36px; letter-spacing: 1px; line-height: 34px; margin: 0px; overflow: hidden; padding: 0px 10px; text-overflow: ellipsis; transform: none; white-space: nowrap;">
Reckless driver caught speeding at 155mph on M3</h3>
<div class="video-player-wrapper" data-ns-player="wrapper" style="border: 0px; height: auto; margin: 0px; padding: 0px 0px 331.875px; position: relative; transform: none;">
<div aria-label="Video Player" class="video-js vjs-paused vjs-controls-enabled vjs-workinghover vjs-v6 bc-player-SJletUlwOz_default bc-player-SJletUlwOz_default-index-0 vjs-mouse vjs-dock ns-video-js vjs-ima3-not-playing-yet vjs-ima3-html5 vjs-contextmenu vjs-contextmenu-ui vjs-player-info vjs-errors wtat-wtatBC vjs-ad-controls ns-player-sticky-ready vjs-user-inactive vjs-plugins-ready" data-account="2540076170001" data-application-id="" data-embed="default" data-player="SJletUlwOz" data-video-id="5718152659001" id="vjs_video_3" lang="en" role="region" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; bottom: 0px; box-sizing: border-box; color: white; font-family: Arial, Helvetica, sans-serif; height: 331.875px; left: 0px; line-height: 1; margin: 0px; outline: none; overflow: hidden; padding: 0px; position: absolute; right: 0px; top: 0px; transform: translate3d(0px, 0px, 0px); transition: margin 250ms linear; vertical-align: top; width: 590px;">
<div aria-disabled="false" class="vjs-poster" style="background-color: #151b17; background-image: url("https://httpsak-a.akamaihd.net/2540076170001/2540076170001_5718158903001_5718152659001-vs.jpg?pubId=2540076170001&videoId=5718152659001"); background-position: 50% center; background-repeat: no-repeat; background-size: contain; border: 0px; bottom: 0px; box-sizing: inherit; color: inherit; cursor: pointer; display: inline-block; font-size: inherit; height: 331.875px; left: 0px; line-height: inherit; margin: 0px; padding: 0px; position: absolute; right: 0px; top: 0px; transform: none; vertical-align: middle;" tabindex="-1">
</div>
<div aria-atomic="true" aria-live="off" class="vjs-text-track-display" style="border: 0px; bottom: 3em; box-sizing: inherit; color: inherit; font-size: inherit; left: 0px; line-height: inherit; margin: 0px; padding: 0px; pointer-events: none; position: absolute; right: 0px; top: 0px; transform: none;">
<div style="border: 0px; bottom: 0px; box-sizing: inherit; color: inherit; font-size: inherit; left: 0px; line-height: inherit; margin: 8.84375px; padding: 0px; position: absolute; right: 0px; top: 0px; transform: none;">
</div>
</div>
<div class="vjs-dock-shelf" style="border: 0px; box-sizing: inherit; color: inherit; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 1em; line-height: inherit; margin: 0px; padding: 1em; pointer-events: none; position: absolute; right: 0px; text-align: right; top: 0px; transform: none; transition: opacity 0.1s; width: 147.5px;">
</div>
<div class="vjs-ima3-ad-container" style="border: 0px; bottom: 0px; box-sizing: inherit; color: inherit; font-size: inherit; left: -9999px; line-height: inherit; margin: 0px; padding: 0px; pointer-events: none; position: absolute; right: 0px; top: 0px; transform: none;">
<div style="border: 0px; box-sizing: inherit; color: inherit; font-size: inherit; height: 331.875px; line-height: inherit; margin: 0px; padding: 0px; position: absolute; transform: none; width: 10589px;">
<iframe allow="autoplay" allowfullscreen="" src="https://imasdk.googleapis.com/js/core/bridge3.214.1_en.html#goog_1532570018" style="border-style: initial; border-width: 0px; box-sizing: inherit; color: inherit; font-size: inherit; height: 331.875px; line-height: inherit; margin: 0px; opacity: 0; padding: 0px; position: relative; transform: none; width: 10589px;"></iframe></div>
</div>
<button aria-disabled="false" aria-live="polite" class="vjs-big-play-button" style="-webkit-appearance: none; background: none rgba(0, 0, 0, 0.45); border-color: initial; border-radius: 50% !important; border-style: none; border-width: initial; box-sizing: inherit; color: white; cursor: pointer; display: block; font-family: sans-serif; font-size: 3.5em; height: 2em; left: 295px; line-height: 2em; margin: -1em 0px 0px -1em; opacity: 1; overflow: visible; padding: 0px; position: absolute; top: 165.938px; transform: none; transition: border-color 0.4s, outline 0.4s, background-color 0.4s; vertical-align: baseline; width: 2em;" title="Play Video" type="button"><span aria-hidden="true" class="vjs-icon-placeholder" style="border: 0px; box-sizing: inherit; color: inherit; font-size: inherit; line-height: inherit; margin: 0px; padding: 0px; transform: none;"></span><span class="vjs-control-text" style="border: 0px; box-sizing: inherit; clip: rect(0px , 0px , 0px , 0px); color: inherit; font-size: inherit; height: 1px; line-height: inherit; margin: 0px; overflow: hidden; padding: 0px; position: absolute; transform: none; width: 1px;">Play Video</span></button><br />
<div class="vjs-control-bar" dir="ltr" id="vjs_video_3-control_bar_id" role="group" style="background-color: rgba(0, 0, 0, 0.45); border: 0px; bottom: 0px; box-sizing: inherit; display: flex; font-size: 10px; height: 3em; left: 0px; line-height: inherit; margin: 0px; padding: 0px; position: absolute; right: 0px; transform: none; transition: transform 0.1s ease 0s; visibility: hidden; width: 590px;">
<button aria-disabled="false" aria-live="polite" class="vjs-play-control vjs-control vjs-button" style="-webkit-appearance: none; background-attachment: initial; background-clip: initial; background-image: none; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border-color: initial; border-radius: 0px !important; border-style: none; border-width: initial; box-sizing: inherit; cursor: pointer; flex: 0 0 auto; font-family: sans-serif; font-size: inherit; height: 30px; line-height: inherit; margin: 0px; overflow: visible; padding: 0px; position: relative; transform: none; transition: none; vertical-align: baseline; width: 3em;" title="Play" type="button"><span aria-hidden="true" class="vjs-icon-placeholder" style="border: 0px; box-sizing: inherit; color: inherit; cursor: pointer; font-family: "videojs"; font-size: inherit; line-height: inherit; margin: 0px; padding: 0px; transform: none;"></span><span class="vjs-control-text" style="border: 0px; box-sizing: inherit; clip: rect(0px , 0px , 0px , 0px); color: inherit; font-size: inherit; height: 1px; line-height: inherit; margin: 0px; overflow: hidden; padding: 0px; position: absolute; transform: none; width: 1px;"></span></button><br />
<div class="vjs-volume-panel vjs-control vjs-volume-panel-horizontal" style="border: 0px; box-sizing: inherit; color: inherit; display: flex; flex: 0 0 auto; font-size: inherit; height: 30px; line-height: inherit; margin: 0px; padding: 0px; position: relative; text-align: center; transform: none; transition: width 1s; width: 4em;">
<button aria-disabled="false" aria-live="polite" class="vjs-mute-control vjs-control vjs-button vjs-vol-3" style="-webkit-appearance: none; background-attachment: initial; background-clip: initial; background-image: none; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border-color: initial; border-radius: 0px !important; border-style: none; border-width: initial; box-sizing: inherit; cursor: pointer; flex: 0 0 auto; font-family: sans-serif; font-size: inherit; height: 30px; line-height: inherit; margin: 0px; overflow: visible; padding: 0px 2em 3em; position: relative; transform: none; transition: none; vertical-align: baseline; width: 3em;" title="Mute" type="button"><span aria-hidden="true" class="vjs-icon-placeholder" style="border: 0px; box-sizing: inherit; color: inherit; font-family: "videojs"; font-size: inherit; line-height: inherit; margin: 0px; padding: 0px; transform: none;"></span><span class="vjs-control-text" style="border: 0px; box-sizing: inherit; clip: rect(0px , 0px , 0px , 0px); color: inherit; font-size: inherit; height: 1px; line-height: inherit; margin: 0px; overflow: hidden; padding: 0px; position: absolute; transform: none; width: 1px;"></span></button><br />
<div class="vjs-volume-control vjs-control vjs-volume-horizontal" style="border: 0px; box-sizing: inherit; color: inherit; cursor: pointer; display: flex; flex: 0 0 auto; font-size: inherit; height: 1px; line-height: inherit; margin: 0px 1em 0px -1px; opacity: 0; padding: 0px; position: relative; transform: none; transition: visibility 1s, opacity 1s, height 1s 1s, width 1s, left 1s 1s, top 1s 1s; visibility: visible; width: 1px;">
<div aria-label="Volume Level" aria-live="polite" aria-valuemax="100" aria-valuemin="0" aria-valuenow="100" aria-valuetext="100%" class="vjs-volume-bar vjs-slider-bar vjs-slider vjs-slider-horizontal" role="slider" style="background-color: rgba(115, 133, 159, 0.5); border: 0px; box-sizing: inherit; color: inherit; cursor: pointer; font-size: inherit; height: 0.3em; line-height: inherit; margin: 1.35em 0.45em; padding: 0px; position: relative; transform: none; user-select: none; width: 5em;" tabindex="0">
<div class="vjs-volume-level" style="background-color: #d52484; border: 0px; bottom: 0px; box-sizing: inherit; color: inherit; font-family: VideoJS; font-size: inherit; height: 0.3em; left: 0px; line-height: inherit; margin: 0px; padding: 0px; position: absolute; transform: none; width: 0px;">
<span class="vjs-control-text" style="border: 0px; box-sizing: inherit; clip: rect(0px , 0px , 0px , 0px); color: inherit; font-size: inherit; height: 1px; line-height: inherit; margin: 0px; overflow: hidden; padding: 0px; position: absolute; transform: none; width: 1px;"></span></div>
</div>
</div>
</div>
<div class="vjs-current-time vjs-time-control vjs-control" style="border: 0px; box-sizing: inherit; color: inherit; display: flex; flex: 0 1 auto; font-size: 1em; height: 30px; line-height: 3em; margin: 0px 0px 0px 1em; min-width: 2em; padding: 0px 1em; position: relative; text-align: center; transform: none; width: auto;">
<div aria-live="off" class="vjs-current-time-display" style="border: 0px; box-sizing: inherit; color: inherit; font-size: inherit; line-height: inherit; margin: 0px; padding: 0px; text-align: right; transform: none; width: 19.4688px;">
</div>
</div>
<div class="vjs-time-control vjs-time-divider" style="border: 0px; box-sizing: inherit; color: inherit; display: flex; flex: 0 1 auto; font-size: 1em; line-height: 3em; margin: 0px; min-width: 2em; padding: 0px 1em; transform: none; width: 14px;">
<div style="border: 0px; box-sizing: inherit; color: inherit; font-size: inherit; line-height: inherit; margin: 0px; padding: 0px; text-align: center; transform: none; width: 0px;">
<span style="border: 0px; box-sizing: inherit; color: inherit; font-size: inherit; line-height: inherit; margin: 0px; padding: 0px; transform: none;"></span></div>
</div>
<div class="vjs-duration vjs-time-control vjs-control" style="border: 0px; box-sizing: inherit; color: inherit; display: flex; flex: 0 1 auto; font-size: 1em; height: 30px; line-height: 3em; margin: 0px; min-width: 2em; padding: 0px 1em; position: relative; text-align: center; transform: none; width: auto;">
<div aria-live="off" class="vjs-duration-display" style="border: 0px; box-sizing: inherit; color: inherit; font-size: inherit; line-height: inherit; margin: 0px; padding: 0px; text-align: left; transform: none; width: 19.4688px;">
</div>
</div>
<div class="vjs-progress-control vjs-control" style="-webkit-box-align: center; align-items: center; border: 0px; box-sizing: inherit; color: inherit; cursor: pointer; display: flex; flex: 1 1 auto; font-size: inherit; height: 0.5em; left: 0px; line-height: inherit; margin: 0px; min-width: 4em; padding: 0px; position: absolute; right: 0px; text-align: center; top: -0.5em; transform: none; width: 590px;">
<div aria-label="Progress Bar" aria-valuemax="100" aria-valuemin="0" aria-valuenow="0" class="vjs-progress-holder vjs-slider vjs-slider-horizontal" role="slider" style="background-color: rgba(115, 133, 159, 0.5); border: 0px; box-sizing: inherit; color: inherit; cursor: pointer; flex: 1 1 auto; font-size: inherit; height: 5px; line-height: inherit; margin: 0px; padding: 0px; position: relative; transform: none; transition: all 0.2s; user-select: none;" tabindex="0">
<div class="vjs-load-progress" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; box-sizing: inherit; color: inherit; font-size: inherit; height: 5px; left: 0px; line-height: inherit; margin: 0px; padding: 0px; position: absolute; top: 0px; transform: none; width: 233.031px;">
<span class="vjs-control-text" style="border: 0px; box-sizing: inherit; clip: rect(0px , 0px , 0px , 0px); color: inherit; font-size: inherit; height: 1px; line-height: inherit; margin: 0px; overflow: hidden; padding: 0px; position: absolute; transform: none; width: 1px;"><span style="border: 0px; box-sizing: inherit; color: inherit; font-size: inherit; line-height: inherit; margin: 0px; padding: 0px; transform: none;"></span></span><br />
<div style="background: rgba(115, 133, 159, 0.75); border: 0px; box-sizing: inherit; color: inherit; font-size: inherit; height: 5px; left: 0.4375px; line-height: inherit; margin: 0px; padding: 0px; position: absolute; top: 0px; transform: none; width: 232.578px;">
</div>
</div>
<div class="vjs-play-progress vjs-slider-bar" style="background-color: #d52484; border: 0px; box-sizing: inherit; color: inherit; font-family: VideoJS; font-size: inherit; height: 5px; left: 0px; line-height: inherit; margin: 0px; padding: 0px; position: absolute; top: 0px; transform: none; width: 0px;">
<div class="vjs-time-tooltip" style="background-color: rgba(255, 255, 255, 0.8); border-radius: 0.3em; border: 0px; box-sizing: inherit; color: black; float: right; font-family: Arial, Helvetica, sans-serif; font-size: 1em; line-height: inherit; margin: 0px; padding: 6px 8px 8px; pointer-events: none; position: relative; top: -3.4em; transform: none; visibility: hidden; z-index: 1;">
</div>
<span class="vjs-control-text" style="border: 0px; box-sizing: inherit; clip: rect(0px , 0px , 0px , 0px); color: inherit; font-size: inherit; height: 1px; line-height: inherit; margin: 0px; overflow: hidden; padding: 0px; position: absolute; transform: none; width: 1px;"><span style="border: 0px; box-sizing: inherit; color: inherit; font-size: inherit; line-height: inherit; margin: 0px; padding: 0px; transform: none;"></span></span></div>
</div>
</div>
<div class="vjs-custom-control-spacer vjs-spacer " style="border: 0px; box-sizing: inherit; color: inherit; display: flex; flex: 1 1 auto; font-size: inherit; line-height: inherit; margin: 0px; padding: 0px; transform: none;">
</div>
<button aria-disabled="false" aria-live="polite" class="vjs-fullscreen-control vjs-control vjs-button" style="-webkit-appearance: none; background-attachment: initial; background-clip: initial; background-image: none; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border-color: initial; border-radius: 0px !important; border-style: none; border-width: initial; box-sizing: inherit; cursor: pointer; flex: 0 0 auto; font-family: vjsicomoonfont; font-size: inherit; height: 30px; line-height: inherit; margin: 0px; order: 9; overflow: visible; padding: 0px; position: relative; transform: none; transition: none; vertical-align: baseline; width: 3em;" title="Fullscreen" type="button"><span aria-hidden="true" class="vjs-icon-placeholder" style="border: 0px; box-sizing: inherit; color: inherit; font-family: "videojs"; font-size: inherit; line-height: inherit; margin: 0px; padding: 0px; transform: none;"></span><span class="vjs-control-text" style="border: 0px; box-sizing: inherit; clip: rect(0px , 0px , 0px , 0px); color: inherit; font-size: inherit; height: 1px; line-height: inherit; margin: 0px; overflow: hidden; padding: 0px; position: absolute; transform: none; width: 1px;"></span></button><button aria-live="polite" class="vjs-facebook vjs-control vjs-button " style="-webkit-appearance: none; background-attachment: initial; background-clip: initial; background-image: none; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border-color: initial; border-radius: 0px !important; border-style: none; border-width: initial; box-sizing: inherit; cursor: pointer; flex: 0 0 auto; font-family: vjsicomoonfont; font-size: inherit; height: 30px; line-height: inherit; margin: 0px; overflow: visible; padding: 0px; position: relative; transform: none; transition: none; vertical-align: baseline; width: 3em;" type="button"><span class="vjs-control-text" style="border: 0px; box-sizing: inherit; clip: rect(0px , 0px , 0px , 0px); color: inherit; font-size: inherit; height: 1px; line-height: inherit; margin: 0px; overflow: hidden; padding: 0px; position: absolute; transform: none; width: 1px;"></span></button><button aria-live="polite" class="vjs-twitter vjs-control vjs-button " style="-webkit-appearance: none; background-attachment: initial; background-clip: initial; background-image: none; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border-color: initial; border-radius: 0px !important; border-style: none; border-width: initial; box-sizing: inherit; cursor: pointer; flex: 0 0 auto; font-family: vjsicomoonfont; font-size: inherit; height: 30px; line-height: inherit; margin: 0px; overflow: visible; padding: 0px; position: relative; transform: none; transition: none; vertical-align: baseline; width: 3em;" type="button"><span class="vjs-control-text" style="border: 0px; box-sizing: inherit; clip: rect(0px , 0px , 0px , 0px); color: inherit; font-size: inherit; height: 1px; line-height: inherit; margin: 0px; overflow: hidden; padding: 0px; position: absolute; transform: none; width: 1px;"></span></button><button aria-live="polite" class="vjs-share2 vjs-control vjs-button " style="-webkit-appearance: none; background-attachment: initial; background-clip: initial; background-image: none; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border-color: initial; border-radius: 0px !important; border-style: none; border-width: initial; box-sizing: inherit; cursor: pointer; flex: 0 0 auto; font-family: vjsicomoonfont; font-size: inherit; height: 30px; line-height: inherit; margin: 0px; overflow: visible; padding: 0px; position: relative; transform: none; transition: none; vertical-align: baseline; width: 3em;" type="button"><span class="vjs-control-text" style="border: 0px; box-sizing: inherit; clip: rect(0px , 0px , 0px , 0px); color: inherit; font-size: inherit; height: 1px; line-height: inherit; margin: 0px; overflow: hidden; padding: 0px; position: absolute; transform: none; width: 1px;"></span></button></div>
<div class="afs_ads" style="background: transparent; border: 0px; box-sizing: inherit; color: inherit; font-size: inherit; height: 1px; line-height: inherit; margin: 0px; padding: 0px; position: absolute; transform: none; width: 1px;">
</div>
</div>
</div>
</div>
</div>
</div>
</div>
<div class="text-description" style="background-color: white; border: 0px; color: #333333; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 14px; line-height: 20px; margin: 0px 0px 15px; padding: 0px; transform: none;">
<div style="border: 0px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
<span style="border: 0px; font-weight: 700; margin: 0px; padding: 0px; transform: none;">Below shows the average premiums and cost of speeding:</span></div>
<div style="border: 0px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
<span style="border: 0px; font-weight: 700; margin: 0px; padding: 0px; transform: none;">TYPE OF DRIVER: All drivers</span></div>
<ul style="border: 0px; margin: 1em 0px 1em 20px; padding: 0px 0px 1em; transform: none;">
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH NO CONVICTIONS:£693</li>
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH ANY SPEEDING CONVICTIONS: £743</li>
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH SP30 CONVICTIONS: £729</li>
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH SP50 CONVICTIONS: £794</li>
</ul>
<div style="border: 0px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
<span style="border: 0px; font-weight: 700; margin: 0px; padding: 0px; transform: none;">TYPE OF DRIVER: Under-50s</span></div>
<ul style="border: 0px; margin: 1em 0px 1em 20px; padding: 0px 0px 1em; transform: none;">
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH NO CONVICTIONS: £795</li>
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH ANY SPEEDING CONVICTIONS:£840</li>
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH SP30 CONVICTIONS:£836</li>
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH SP50 CONVICTIONS: £865</li>
</ul>
<div style="border: 0px; margin-bottom: 1em; margin-top: 1em; padding: 0px; transform: none;">
<span style="border: 0px; font-weight: 700; margin: 0px; padding: 0px; transform: none;">TYPE OF DRIVER: Over 50s</span></div>
<ul style="border: 0px; margin: 1em 0px 1em 20px; padding: 0px 0px 1em; transform: none;">
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH NO CONVICTIONS:£469</li>
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH ANY SPEEDING CONVICTIONS:£527</li>
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH SP30 CONVICTIONS:£483</li>
<li style="border: 0px; line-height: 18px; margin: 0px 0px 6px 20px; padding: 0px; transform: none;">COST WITH SP50 CONVICTIONS: £635</li>
</ul>
</div>
<script async="" src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script>

<br />
<ins class="adsbygoogle" data-ad-client="ca-pub-1903493567312805" data-ad-format="auto" data-ad-slot="9968898575" style="display: block;"></ins><script>
(adsbygoogle = window.adsbygoogle || []).push({});
</script>

Thousands of UK motorway drivers face higher car insurance costs for doing THIS

(adsbygoogle = window.adsbygoogle || []).push({}); UK motorists using the motorway could face paying higher car insurance costs, according to new analysis. Drivers who get a conviction for speeding could add as much as an extra £101 to the annual co…

El-Sayed: To cut auto insurance rates, end 'exploitation'

June 13, 2018 0

<div class="speakable-p-1 p-text" style="background-color: #fafafa; color: #333333; font-family: arial, sans-serif; font-size: 14px; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: 22px; margin-bottom: 15px; margin-left: 60px;">
<script async="" src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script>

<br />
<ins class="adsbygoogle" data-ad-client="ca-pub-1903493567312805" data-ad-format="auto" data-ad-slot="9968898575" style="display: block;"></ins><script>
(adsbygoogle = window.adsbygoogle || []).push({});
</script>
<img alt="Abdul El-Sayed" height="400" src="https://www.gannett-cdn.com/-mm-/7f74f9463b5198647952ec05d69b5b13e4a3412b/c=0-36-2766-3724&r=537&c=0-0-534-712/local/-/media/2018/02/21/DetroitNews/B99631975Z.1_20180221182801_000_GNP1SLPI0.1-0.jpg" style="background-color: transparent;" width="300" /> </div>
<div class="speakable-p-1 p-text" style="background-color: #fafafa; color: #333333; font-family: arial, sans-serif; font-size: 14px; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: 22px; margin-bottom: 15px; margin-left: 60px;">
<br /></div>
<div class="speakable-p-1 p-text" style="background-color: #fafafa; color: #333333; font-family: arial, sans-serif; font-size: 14px; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: 22px; margin-bottom: 15px; margin-left: 60px;">
<em>Lansing</em> — Two weeks after Democrat Abdul El-Sayed launched his run for Michigan governor, his wife found out she was pregnant. Facing the prospect of his statewide campaign and her work schedule, they moved in with her parents to help raise the baby.</div>
<div class="speakable-p-2 p-text" style="background-color: #fafafa; color: #333333; font-family: arial, sans-serif; font-size: 14px; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: 22px; margin-bottom: 15px; margin-left: 60px;">
The couple got an unexpected bonus when they moved from Detroit to Shelby Township: Their auto insurance rates “dropped thousands of dollars,” said El-Sayed, 33. “And we don’t drive fancy cars. I drive a Ford Focus.”</div>
<div class="p-text" style="background-color: #fafafa; color: #333333; font-family: arial, sans-serif; font-size: 14px; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: 22px; margin-bottom: 15px; margin-left: 60px;">
Same drivers. Same cars. Different ZIP codes.</div>
<div class="p-text" style="background-color: #fafafa; color: #333333; font-family: arial, sans-serif; font-size: 14px; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: 22px; margin-bottom: 15px; margin-left: 60px;">
“That’s just wrong,” El-Sayed told The Detroit News, outlining his plan to reduce auto insurance rates by prohibiting insurers from using non-driving factors to determine rates, creating a “Truth in Insurance Commission” to oversee the industry, capping hospital charges and restricting attorney access to accident reports.</div>
<div class="p-text" style="background-color: #fafafa; color: #333333; font-family: arial, sans-serif; font-size: 14px; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: 22px; margin-bottom: 15px; margin-left: 60px;">
“The same driver shouldn’t pay different rates because they live in a different place, and that kind of red-lining by the insurance industry is exactly what’s wrong with the system,” he said. “It is a civil rights issue because the costs fall disproportionately on low-income folks and people of color.”</div>
<div class="partner-placement partner-spike partner-placement-visible" data-monetization-id="native-article_link" data-monetization-sizes="fluid,3,3" id="ad-position-55" style="background-color: #fafafa; color: #222222; font-family: Arial, sans-serif; font-size: 16px; opacity: 1;">
<div class="ad-slot" data-google-query-id="CMPQz4Tz0dsCFYgX0wodQ6cLDQ" id="ad-slot-7103-mi-detroit-C1561-native-article_link-news-local-features_michigan-57">
<div id="google_ads_iframe_7103/mi-detroit-C1561/native-article_link/news/local/features_michigan_0__container__" style="border: 0pt none;">
<iframe frameborder="0" height="3" id="google_ads_iframe_7103/mi-detroit-C1561/native-article_link/news/local/features_michigan_0" marginheight="0" marginwidth="0" name="google_ads_iframe_7103/mi-detroit-C1561/native-article_link/news/local/features_michigan_0" scrolling="no" style="border-style: initial; border-width: 0px; vertical-align: bottom;" title="3rd party ad content" width="3"></iframe></div>
</div>
</div>
<div class="p-text" style="background-color: #fafafa; color: #333333; font-family: arial, sans-serif; font-size: 14px; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: 22px; margin-bottom: 15px; margin-left: 60px;">
Insurers say they use several factors to mitigate risk and determine rates in Michigan, the only state in the nation that requires plans to include unlimited lifetime medical benefits under its no-fault auto law.  Michigan rates consistently rank among the highest in the nation, with Detroit often cited as one of the most expensive cities in the country.</div>
<div class="p-text" style="background-color: #fafafa; color: #333333; font-family: arial, sans-serif; font-size: 14px; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: 22px; margin-bottom: 15px; margin-left: 60px;">
El-Sayed opposes Detroit Mayor Mike Duggan’s push to allow motorists a choice to buy plans with reduced medical coverage, saying it could create a two-tiered system where poor people have worse insurance. But he has proposed an ambitious and expensive <a data-track-label="story pages|news|inline|intext|n/a" href="https://www.detroitnews.com/story/news/local/michigan/2018/06/06/el-sayed-universal-health-michigan/677394002/" style="color: #1990e5; text-decoration-line: none;">Medicare-for-all</a> program for Michigan that would alleviate the need for auto insurers to provide medical coverage.</div>
<div class="partner-outstream" style="background-color: #fafafa; color: #222222; font-family: Arial, sans-serif; font-size: 16px;">
</div>
<div class="p-text" style="background-color: #fafafa; color: #333333; font-family: arial, sans-serif; font-size: 14px; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: 22px; margin-bottom: 15px; margin-left: 60px;">
The Duggan-backed plan failed in the House last fall, another setback in a decades-long battle that has featured intense lobbying by the auto insurance industry, hospitals and trial lawyers. A Detroit group is trying to revive the debate by <a data-track-label="story pages|news|inline|intext|n/a" href="https://www.detroitnews.com/story/news/local/michigan/2018/06/06/detroit-billboards-thank-high-auto-rates/673484002/" style="color: #1990e5; text-decoration-line: none;">running billboards</a>mocking lawmakers for inaction and promoting a revised “driver’s choice” proposal.</div>
<div class="p-text" style="background-color: #fafafa; color: #333333; font-family: arial, sans-serif; font-size: 14px; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: 22px; margin-bottom: 15px; margin-left: 60px;">
Current Michigan law requires insurers to consider factors such as age, driving record and average miles driven before factoring in geography. El-Sayed’s plan, like Democratic legislation introduced in the state House, would prohibit territorial rate setting and ban the use of credit scores and other socioeconomic factors for rate setting.</div>
<div class="p-text" style="background-color: #fafafa; color: #333333; font-family: arial, sans-serif; font-size: 14px; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: 22px; margin-bottom: 15px; margin-left: 60px;">
The former Detroit health director also wants to cap medical provider reimbursement rates for auto accident victims at 130 percent of Medicare, establish a fraud authority to monitor insurers and create an Auto  Victim’s Privacy Protection Plan that would restrict attorney access to accident reports, victim’s personal information and direct mail solicitations.</div>
<div class="p-text" style="background-color: #fafafa; color: #333333; font-family: arial, sans-serif; font-size: 14px; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: 22px; margin-bottom: 15px; margin-left: 60px;">
“We’ve got to stand up to make sure we’re protecting Michiganders from exploitation by ambulance chasers and exploitation by the hospital industry that’s charging auto insurance substantially more than it’s charging health insurance for the same services,” El-Sayed said.</div>
<div class="p-text" style="background-color: #fafafa; color: #333333; font-family: arial, sans-serif; font-size: 14px; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: 22px; margin-bottom: 15px; margin-left: 60px;">
His auto insurance reform proposal is the most comprehensive call for action of its kind so far in the Democratic gubernatorial primary, but he is not the only candidate talking about the issue.</div>
<div class="p-text" style="background-color: #fafafa; color: #333333; font-family: arial, sans-serif; font-size: 14px; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: 22px; margin-bottom: 15px; margin-left: 60px;">
Former Senate Minority Leader Gretchen Whitmer, endorsed by Duggan, has said insurers should not be able to use zip codes or credit scores to determine rates and wants transparency in the Michigan Catastrophic Claims Association. Ann Arbor entrepreneur Shri Thanedar also wants to ban the use of non-driving factors in rate setting.</div>
<div class="p-text" style="background-color: #fafafa; color: #333333; font-family: arial, sans-serif; font-size: 14px; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: 22px; margin-bottom: 15px; margin-left: 60px;">
El-Sayed’s plan proposes formation of a Truth in Insurance Commission that would review rate changes in coordination with the Michigan Department of Insurance and Financial Services, communicate rate changes to the public, hold public hearings and oversee a statewide study of auto rates and assessments.</div>
<div class="p-text" style="background-color: #fafafa; color: #333333; font-family: arial, sans-serif; font-size: 14px; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: 22px; margin-bottom: 15px; margin-left: 60px;">
He also wants to require insurers release data on premiums and payouts and is proposing to open up the Michigan Catastrophic Claims Association to the Freedom of Information Act. The MCCA assesses an annual fee, set to rise from $170 to $192 per vehicle on July 1, to reimburse insurers for no-fault claims that cost more than $555,000.</div>
<div class="p-text" style="background-color: #fafafa; color: #333333; font-family: arial, sans-serif; font-size: 14px; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: 22px; margin-bottom: 15px; margin-left: 60px;">
Most of El-Sayed’s auto insurance plans would require approval by the Legislature, which has debated reforms for decades but failed to find consensus on any single plan.</div>
<div class="p-text" style="background-color: #fafafa; color: #333333; font-family: arial, sans-serif; font-size: 14px; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: 22px; margin-bottom: 15px; margin-left: 60px;">
El-Sayed, who has never held elected office, said he would use leverage afforded by the governor’s office to push for change. The progressive Democrat thinks he is in a unique position to be a “fair arbiter” because he has not received contributions from the insurance industry, hospitals or trial lawyer groups.</div>
<div class="p-text" style="background-color: #fafafa; color: #333333; font-family: arial, sans-serif; font-size: 14px; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: 22px; margin-bottom: 15px; margin-left: 60px;">
“All three of these industries want to keep their choke hold on what is a cash cow for them,” he said. “It’s going to take all three of them being willing to put the people of Michigan first, and therefore all of their political clients – their politicians who have taken their money – to be able to put the people they serve first.”</div>
<script async="" src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script>

<br />
<ins class="adsbygoogle" data-ad-client="ca-pub-1903493567312805" data-ad-format="auto" data-ad-slot="9968898575" style="display: block;"></ins><script>
(adsbygoogle = window.adsbygoogle || []).push({});
</script>

El-Sayed: To cut auto insurance rates, end 'exploitation'

(adsbygoogle = window.adsbygoogle || []).push({}); Lansing — Two weeks after Democrat Abdul El-Sayed launched his run for Michigan governor, his wife found out she was pregnant. Facing the prospect of his statewide campaign and her work schedule, …