CPAN -- The Coalition Protecting Auto No-Fault

10/21/2026

Why does auto insurance cost so much, and what can Michigan do to lower rates without sacrificing the coverage people need?

These questions matter to CPAN members. In this podcast, CPAN Insurance Consultant Doug Heller joins Tom Judd to discuss rising premiums, insurer profits, and how factors like credit history and ZIP code influence what drivers pay.

For our members, this conversation connects the broader insurance pricing picture to our work protecting access to care. Understanding what drives rates helps us advocate for meaningful savings while preserving essential benefits for people injured in crashes.

🎧 Listen below for Doug’s perspective on fairer auto insurance pricing and the questions Michiganders should be asking their lawmakers.

10/19/2026

🗳️ After the election, what’s next for Michigan auto no-fault?

Join CPAN on November 18 for a members-only virtual conversation about what the election results could mean for auto no-fault, access to care, and our advocacy efforts moving into 2027.

Hear from the CPAN team, ask questions, and learn how we’re working to protect crash survivors and pursue ways to lower insurance costs without reducing PIP coverage.

📅 Wednesday, November 18
🕛 Noon to 1 p.m.
💻 Virtual | Members only
🎟️ $25 per member. Silver and Platinum memberships include 2 complimentary registrations

Not a member yet? This is a great time to join! Connect with a community working to protect Michigan’s auto no-fault system and get access to timely updates and conversations like this one. Message us to learn about membership and how to attend.

👉 Register here: https://www.viethconsulting.com/Calendar/moreinfo.php?org_id=CPAN&eventid=232104

10/16/2026

Let’s keep the conversation going on LinkedIn! 🤝

Follow CPAN for updates on Michigan auto no-fault, our advocacy efforts, and issues affecting crash survivors and the providers who care for them.

Your voice helps expand our reach! Like a post, share an update, or leave a comment to help bring these important conversations to more people.

👉 Follow CPAN on LinkedIn: https://www.linkedin.com/company/protectnofault

CPAN | 112 followers on LinkedIn. The Coalition Protecting Auto No-Fault (CPAN) is a broad, bi-partisan coalition of healthcare associations and providers, consumer advocate groups, and individuals working together in the courts and legislature to uphold auto accident survivors'​ rights to qua...

10/14/2026

What’s next for Michigan auto no-fault after the election?

Join the CPAN team for a members-only virtual briefing on what the election results could mean for 2027, protecting access to care, improving provider reimbursement, and lowering insurance costs without reducing PIP coverage. Bring your questions!

📅 Wednesday, November 18, 2026
🕛 Noon–1 p.m. ET
💻 Virtual
🎟️ $25 per person. Platinum and Silver member organizations receive two complimentary registrations.

Register here: https://www.viethconsulting.com/members/secure/messages/message3.php?iid=231784973

Interested in sponsoring? Our $200 event sponsorship includes an opportunity to speak to attendees, logo placement on the event graphic, and recognition on CPAN’s social media. Contact us for details!

10/13/2026

Lower fees are welcome, but Michigan crash survivors still need access to the care they depend on.

The MCCA announced that its total annual assessment for drivers with unlimited PIP coverage will decrease from $84 to $73. The assessment for drivers without unlimited PIP will drop from $19 to $10.

In Gongwer’s coverage, CPAN consulting insurance expert Doug Heller raised concerns about inadequate payments for survivors’ care and continued fees charged to drivers who cannot access MCCA benefits.

CPAN continues to advocate for lower insurance costs while protecting coverage and access to care.



Reprinted with permission of Gongwer | State Affairs

09/14/2026

Last week, I had the privilege of attending Brain Injury Association of Michigan - BIAMI's Fall Conference, and honestly, it was an experience I won’t soon forget.

Kudos to BIAMI for putting together such an amazing event and bringing together more than 800 people who are all focused on the same goal, caring for people who have suffered a TBI and making sure they get the care they desperately need and deserve.

Since starting with CPAN, I’ve heard so much about the importance of this work, but being there and meeting so many of the people behind it really brought everything full circle for me.

I had the opportunity to meet CPAN members, board members, care providers, and, most importantly, people who have personally been impacted by TBIs. Hearing their stories and seeing the passion that so many people have for this work made me even more passionate about what CPAN is fighting for.

At the end of the day, this isn’t just about policies, reimbursements or legislation. It’s about people. It’s about making sure someone who has suffered a life-changing injury gets the care they need and making sure the providers who dedicate their lives to that care are properly reimbursed for the work they do.

That’s why I’m so proud to be part of CPAN and its mission to make a difference.

A huge thank you to Brain Injury Association of Michigan for an incredible conference and to MBIPC - Michigan Brain Injury Provider Council for introducing me at your member lunch. I really enjoyed meeting everyone!

And if I didn’t get a chance to meet you, please don’t hesitate to reach out. I’d love to connect!

Now, let’s fight the good fight! 💪

09/11/2026

📸 CPAN Executive Director Trinity Lancione, Board President Margaret Kroese, and Legislative Coordinator Kevin McKinney attended the MBIPC - Michigan Brain Injury Provider Council's welcome party at Jackson Field last night, helping kick off the Brain Injury Association of Michigan - BIAMI annual Fall Conference.

It was a fantastic event and such a pleasure to see so many of our friends in the brain injury community!

09/09/2026

A respected voice. A reliable source. A stronger voice for Michigan patients and care providers.

CPAN has worked hard to become a trusted resource on Michigan’s No-Fault system, and our voice continues to be heard where it matters most.

From the Capitol to the courts, CPAN is committed to making sure the experiences of patients, survivors, and care providers are part of the conversation.

We’re proud of the work we’ve done, and we’re even more excited about where we’re headed!

Protecting No-Fault. Protecting People. That’s CPAN. 💛

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...