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 - to the devastation of thousands.

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The yellow one above is it! Just click and fill out the form. 



Those key elements 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 every year.

With PA21 and 22, 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.  

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.

Five 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.

They are dying. 

It has to be fixed now.


You can help - just by listening. 

Follow or subscribe to "Silent Crash" wherever you get your podcasts. Rate it. 

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

Lives depend on it.

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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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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?