CPAN -- The Coalition Protecting Auto No-Fault

08/20/2026

🚨 Michigan drivers: Do you know what your auto insurance covers if the unthinkable happens?

A serious crash can change everything, and the choices you make about your auto insurance today could have a lasting impact on your future.

Michigan’s 2019 no-fault changes reshaped how medical care can be covered after a serious crash, leaving many consumers, especially seniors and those with Medicare, Medicaid, or traditional health insurance, with important decisions to make.

That’s why CPAN created a new, easy-to-understand guide.

📋 Our updated No-Fault Unlimited/Lifetime Medical Coverage flyer breaks down your options in a clear, side-by-side comparison so you can better understand the differences before you need to use your coverage.

💡 Know your options. Know what’s at stake. Make an informed choice.

👉 Take a look at the flyer and share it with your family and friends. You never know who may need this information.

08/04/2026

We're excited to announce that Trinity Lancione, a nonprofit leader with more than 15 years of experience building programs, partnerships and campaigns for mission-driven organizations, has been named CPAN's new executive director!

"Trinity brings exactly the kind of leadership CPAN needs for this moment," said Margaret Kroese, Chair of the CPAN Board of Directors. "She has a proven record of growing member value and getting results. As we continue the fight to protect Michigan's crash survivors and the care they depend on, we are confident Trinity will lead this organization with energy, vision, and heart.”

CPAN , the consumer protection organization fighting for fair insurance and upholding the rights and benefits crash survivors are entitled to under Michigan’s auto no-fault insurance law, today announced that Trinity Lancione , a nonprofit leader with more than 15 years of experience building prog...

07/31/2026

On today’s three-year anniversary of the Michigan Supreme Court’s landmark Andary v. USAA decision, CPAN is recognizing the difference it made in thousands of lives while calling on lawmakers to renew their efforts to extend protections to those injured after the 2019 auto insurance reform law took effect.

Read more: https://protectnofault.org/news/cpan-celebrates-third-anniversary-of-andary-decision-that-restored-care-for-17000-calls-for-protections-for-all-michigan-drivers

07/30/2026

"Martha has been the heart and soul of CPAN for 15 years. Through every policy battle and every hard-won victory, she was the steady hand that kept us moving forward. On behalf of the entire board and the community she served so faithfully, I want to thank Martha for her extraordinary service.”

Today we are announcing the retirement of Martha Levandowski, who has served as CPAN's administrative director since 2011. July 31 is Martha's final day as administrative director, but she will continue contracting with CPAN over the coming months to support the transition to a new leader.

Thank you Martha, for everything you have done for consumers and crash survivors across the state!

Following 15 years of dedicated service, CPAN today announced the retirement of Martha Levandowski , who has served as the organization's administrative director since 2011.

07/13/2026

"It's wrong, it's exploitive and it's something that we have to go after if we want to tackle these obscenely high car insurance rates in Michigan."

A bill that would ban the practice of using data from a consumer's shopping behavior as a factor in setting insurance rates has passed the Michigan Senate.

07/06/2026

In a big win for Michigan policyholders, the state Senate last week passed SB 1013, legislation that would ban insurance companies from using “price optimization” to set rates. This is an important step toward a well-balanced and fairer auto insurance system where the price you pay reflects your actual risk of loss, rather than what insurance companies think you will tolerate.

CPAN thanks Sen. Jeremy Moss for sponsoring this reform, and Senator Mary Cavanagh, chair of the Senate Committee on Finance, Insurance and Consumer Protection, for her leadership in building an auto insurance system that works for Michigan drivers and their families.

We're grateful to Sens. Moss and Cavanagh for their work, and we look forward to supporting this bill as it moves through the House.

In a big win for Michigan policyholders, the state Senate last week passed SB 1013 , legislation that would ban insurance companies from using "price optimization" to set rates. This is an important step toward a well-balanced and fairer auto insurance system where the price you pay refle

07/04/2026

06/22/2026

CPAN, the consumer protection organization fighting for fair insurance laws in Michigan, is looking for a new executive director! This hybrid role is responsible for advancing CPAN’s mission through strategic leadership, operational ex*****on, financial stewardship, and strong external representation.

Please submit your applications to Martha Levandowski at [email protected]. We look forward to hearing from you!

06/04/2026

CPAN is proud to be participating in the Michigan Orthotics & Prosthetics Association Summer Conference taking place today in Bay City, Michigan.

CPAN Administrative Director Martha Levandowski is exhibiting at the conference and connecting with providers who play a vital role in caring for Michigan residents with serious injuries and disabilities.

This morning, Steve Sinas of Sinas Dramis Law Firm and a member of CPAN's General Counsel and Legal Team, delivered a presentation to the more than 80 attendees on Michigan's Auto No-Fault system and the ongoing challenges impacting the providers who render essential care and services to injured patients.

CPAN appreciates the opportunity to engage with the orthotics and prosthetics community and remains committed to advocating for policies that protect access to quality care for those injured in motor vehicle crashes.

05/18/2026

Kroese said people who can't get the rehab they need can end up in "tragic" situations, at home with loved ones struggling to deal with their complex medical care needs, or in a nursing home. She said even young people in their teens, 20s and 30s have ended up being placed in nursing homes for the elderly, without adequate care and rehabilitation.

New bills aim to fix problems with Michigan's auto no-fault law. Bill sponsors say those problems keep people who choose lifetime medical coverage on their car insurance from getting what they're paying for.