Senate Bill 1148 Summary

• Replaces the "catastrophic claims association" structure with a new system allowing both an unincorporated association (Michigan legacy claims association) and an incorporated association to handle catastrophic personal protection insurance claims, with the incorporated association assuming liability for claims above $500,000.

• Establishes the Michigan Automobile Insurance Fraud Authority as a separate entity within the insurance placement facility to combat insurance fraud through funding of law enforcement, prosecution, and prevention programs, with a board consisting of insurers, law enforcement representatives, and public members.

• Modifies personal protection insurance benefits by capping attendant care payments at 56 hours per week for family/household members at $15/hour maximum, and 24 hours per day for non-family providers with a 20% copayment after 30 days (up to $200/month maximum).

• Adds new section 3107c establishing limits and procedures for allowable expenses under personal protection insurance coverage, including specific payment restrictions for attendant care services depending on provider type.

• Imposes annual catastrophic claims assessments on vehicle owners (separate from insurance premiums) starting after June 30 of the year an incorporated association receives authority, with assessments collected by insurers to fund the incorporated association's operations.