In the darkness of 2am on Mackinac Island, a [Silent Crash] was signed into law ... 

PA21 Graphic

The Legislation Causing Catastrophe

In the dark of night, a piece of legislation was signed into law on Mackinac Island in 2019. On July 2, 2021, a key part of it took effect - to the devastation of thousands.

That key element of PA 21 gutted no-fault auto insurance - the program that Michigan drivers have paid into since 1973. If a Michigan driver was in a catastrophic car accident and needed ongoing medical care past what the initial insurance covered, that fund paid for it.

For life.

It's a promise Michigan made to its paying citizens.

This isn't tax money. It's money those drivers paid into the fund through their insurance companies.

With PA21, Michigan survivors of catastrophic auto crashes suddenly got their benefits cut by a whopping 45%.

That’s 45% less in services they need to survive.

It also limited the hours that these survivors can get care to 56 hours per week. That's one caregiver, eight hours per day instead of the team of round-the-clock medical professionals needed to sustain life.  

So far, 41 provider businesses have had to close their doors. They can't provide care at these new rates.

More are closing every week. 

Survivors are being dropped off in Michigan emergency rooms and nursing homes by family members who are desperate to keep them alive and well.

Two have already died.

Senator Mike Shirkey says he wants to "wait and see what happens" before doing anything to reverse breaking the promise of care that Michigan drivers paid for since 1973.

The fund has $23 billion in it. 

There's plenty of money. This care didn't need to be cut.

But cut it they did.

And now people are suffering.

Some are dying. 

It has to be fixed now.

So we're getting loud.


You can help. 

Follow or subscribe to the Silent Crash podcast. Rate it. 

The more who do that, the more those legislators know that the Silent Crash they caused is becoming a roar that will not be ignored.

Our lives depend on it.

Free, Easy Ways to Help Us in This [Fight for Life

The government is a giant behemoth - but it bows to the will of the people when enough of us raise our voices. Here's how easy it is to help:

Listen to "Silent Crash"

"Silent Crash" is the podcast show we've created. Each episode shares stories and information about the catastrophe unfolding in Michigan. 

It's available on all major podcast platforms. When thousands listen, we report that to the legislators. They care when they know people are paying attention to what they're doing - and seeing how it is hurting the citizens.

Rate and Follow "Silent Crash"

No matter where you listen, there's a way to indicate you've visited the "Silent Crash" podcast show. 

On Spotify, click the "Follow" button. 

On Apple Podcasts, scroll down and rate the show five stars. Leave a comment about how you, too, believe the broken promise created by PA21 needs to be fixed.

Follow us on Facebook

Please follow our Facebook page to see the latest as it happens. Feel free to post your thoughts and stories there are well. 

Donate at GoFundMe

Producing these stories comes with hard costs. We've set up a GoFundMe so that those who wish to financially support our effort can do so. Click here to visit the campaign and learn more.

About [Silent Crash, the Podcast]

SILENT CRASH: Stories of the Quiet Unraveling of Michigan's Auto Nofault and the Destruction of Lives is a podcast show available on all major podcast platforms. We're recording stories from the patients impacted, their families, elected officials, and experts in Michigan's Auto Nofault Program. 

Others Engaged in the Fight to Fix the Broken Promise of PA21

It takes so much more than one group to right a wrong the size of this one. We are grateful for these fellow warriors whose work rounds out the giant spectrum needed to gain the attention and activity of the Michigan legislators.

Logo for Coalition to Protect Auto No-Fault

The Coalition to Protect Auto No-Fault

CPAN’s mission is to be the consumer advocate for auto insurance policyholders, those who have been injured in a motor vehicle crash and the medical providers caring for them, representing them at the Capitol, in the courts, and in the public forum.

We Can't Wait logo
We Can't Wait

Grassroots Group

We Can't Wait is a grassroots group of patients and their loved ones who are working to get their stories out via traditional media and public appearances in Michigan. 

Are you one of the


impacted by PA21?