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Auto insurance rules and regulations have been a focal point for many lawmakers across the country in the past, because  consumers have started to grow concerned about the costs they face for having this coverage every month. This may be particularly true in the state of Michigan, where drivers pay some of the highest premiums in the country, and experts say that part of the reason why is the way the state's rules are written. As a consequence of these issues, insurance agents might want to keep a close eye on proceedings in The Great Lake State and advise their clients there about the ways the coming changes might end up affecting them and their bottom lines.

Experts say that one of the biggest drivers of Michigan residents paying some of the largest auto insurance in the country is that the state currently has a ""no-fault"" law on the books, according to a report from WLNS. Everything runs through an organization known as the Michigan Catastrophic Claims Association, which charges drivers $186 per car, and covers medical costs when accidents lead to more than $530,000 in damages.

So what's the problem?
Critics say that the no-fault rule props up the MCCA unfairly, and no one can examine its books because the organization is exempt from the Freedom of Information Act. As a consequence, there is now a case being heard by the state's Supreme Court that might end up opening the organization to additional scrutiny, and that could have a major impact on driver costs in the state going forward. However, while one judge originally ruled in favor of the group bringing the case, a three-judge appeals panel ruled in the MCAA's favor.

Auto insurance agents will likely have to do more work in the coming months to make sure that their clients fully understand all the changes that might affect their policies if state regulations for the industry change. The more that can be done to help consumers comprehend the ins and outs of their policies overall - and how they might be altered down the road - the greater the chance for increased customer satisfaction. That factor, plus the ability to find more affordable coverage every once in a while, may go a long way toward retaining existing customers, and perhaps even attracting new ones.

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