Auto insurance abomination in Detroit
DETROIT (AP) — Like most Americans, the drivers of Detroit are required to carry auto insurance whenever they get behind the wheel, but many law-abiding residents can’t afford the Motor City’s highest-in-the-nation auto premiums, which top $5,000 a year in some neighborhoods.
So fully half of Detroit drivers do what’s known locally as “driving dirty” — taking to the streets without any coverage. It’s practically a tradition here.
Now Mayor Mike Duggan is trying to do something about the high insurance costs based on concerns that they are deterring new residents and investment from coming to Detroit as it rebuilds after emerging from bankruptcy last year.
The chief reason for the high rates: Michigan is the only state that requires auto insurance policies to come with unlimited lifetime personal-injury protection, meaning that people who are hurt in car crashes get 100 percent of their medical expenses covered, sometimes for years or even decades. The protection applies regardless of who was at fault.
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