In 2am darkness,  a [Silent Crash] was voted into Michigan law...

Silent Crash Art in Shape of Michigan
PA21 and PA22

The Legislation Causing Catastrophe

In the dark of a May 2019 night at a hastily called legislative session, the legislation that became Public Acts 21 and 22 passed the House and Senate in Michigan. On July 2, 2021, key parts took effect and were retroactively applied - to the devastation of thousands.



Since 1973, Michigan drivers paid a small yearly fee to their insurance companies for the Michigan Catastrophic Claims Association fund. If a Michigan driver was in a catastrophic accident involving an automobile, the MCCA fund reimbursed insurance companies for all claims beyond the policy's limit.

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 every year.

With PA21 and 22, Michigan survivors of catastrophic auto crashes suddenly got their benefits cut by a whopping 45% and care provider hours to 56 per week.

The law wasn't supposed to be applied to patients who were already in the system, but insurance companies did it anyway. Now the court system is tied up with cases from patients trying to hold their insurance companies accountable to their contracts - a process that can take YEARS. 

Meanwhile, they're finding it impossible to survive. 


Fifty businesses that were taking care of patients have had to close their doors. They can't provide care at the slashed 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.

Several have died.

All while $23 billion of THEIR money sits in the fund. 

This care didn't need to be cut.

You can get it restored - just by listening. 

Every leader in the survivor community has told us what they need is one very loud, very large voice. So, "Silent Crash" is in production. Follow or subscribe wherever you get your podcasts. Rate it. Review it. Share it. Amplify it however you can.

It's the easiest way you'll ever save a life and make the world a better place.

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Looking for the button to click and share your solution to fix the harmful messed caused by PA21 and 22?
The yellow one above is it! Just click and fill out the form. 

Free, Easy Ways to Help...

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.

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

Silent Crash Michigan Auto No Fault Cover Art

About [Silent Crash, the Podcast]

SILENT CRASH: Stories of the Quiet Unraveling of Michigan's Auto No-Fault 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. 

Link to Listen to Silent Crash on Apple Podcasts
Link to listen to Silent Crash Podcast on Spotify

Are you one of the


impacted by PA21?