Our History

The Coalition Protecting Auto No-Fault (CPAN) was formed in 2003 by 26 professional associations who shared the strongly held belief that it was in the public interest to preserve Michigan’s model no-fault auto insurance system and to make sure that the Michigan auto insurance industry kept the original no-fault promise it made to Michigan citizens when the No-Fault Act was passed in 1972. 

These professional associations consist of 15 major medical groups and 11 consumer groups, who represent numerous constituencies with widely divergent political views. In spite of their differences, these associations were united by the common objective to protect the rights of patients and providers under the Michigan no-fault system.

In 2009, the 26 professional associations who founded CPAN decided to make significant changes in its organizational structure, so that CPAN can be more effective in fighting the battle to save the Michigan no-fault system. CPAN opened up membership to the general public. By taking this action, the members of CPAN today include citizens’ consumers, individual professionals, private businesses, and professional organizations.

CPAN provides the first effective counter balance to the auto insurance industry – an industry that almost always gets its way in Michigan. CPAN is the TRUSTED VOICE ON MICHIGAN’S NO-FAULT SYSTEM. 

Below is a list of just some of CPAN’s current member associations, professional organizations and institutional members:

  1. Michigan Academy of Physician Assistants
  2. Michigan Assisted Living Association
  3. Michigan Association of Chiropractors
  4. MARO
  5. Michigan Brain Injury Provider Council
  6. Michigan Orthopedic Society
  7. Michigan Orthotics and Prosthetics Association
  8. Michigan Osteopathic Association
  9. Michigan Rehabilitation Association
  10. Michigan Society of Oral and Maxillo Facial Surgeons
  11. Michigan State Medical Society
  12. Michigan Dental Association
  13. Michigan Committee on Trauma
  14. Spectrum Health System
  15. Eisenhower Center
  16. Special Tree
  17. Rainbow Rehabilitation
  18. Mary Free Bed Rehabilitation Hospital
  19. Origami Brain Injury Rehabilitation
  20. NeuroRestorative of Michigan
  21. Michigan Podiatric Medical Association
  22. Michigan Home Care & Hospice Association
  23. Michigan Guardian Association
  24. Michigan Physical Therapy Association

  1. Brain Injury Association of Michigan
  2. Michigan Association for Justice
  3. Michigan Guardian Association
  4. Michigan Disability Rights Coalition
  5. Michigan Paralyzed Veterans of America
  6. Michigan Protection and Advocacy
  7. Area Agency On Aging Association of Michigan
  8. Peckham

Working cooperatively together, these associations and organizations have vigorously opposed repeated efforts by the Michigan auto insurance industry to dramatically weaken the Michigan No-Fault Law and substantially diminish the rights of accident victims and their medical providers.