CPAN fights for Michigan consumers not just in the legislature and public forum, but also in the courts where critical auto insurance decisions are made. Our legal advocacy ensures consumer voices are heard in the cases that shape auto insurance law for years to come.
CPAN regularly submits amicus curiae briefs in crucial no-fault related cases, providing courts with the consumer perspective on complex insurance law issues. Our briefs help judges understand how their decisions will impact real policyholders and crash survivors. The Michigan Supreme Court has specifically requested amicus briefs from CPAN, recognizing our organization as a trusted and authoritative voice on auto insurance matters affecting Michigan consumers.
The Landmark Andary Case
Leading the Fight: CPAN has been instrumental in supporting the landmark Andary v USAA case, challenging the retroactive application of harmful 2019 reforms to survivors who purchased policies before the law changed.
Amicus Curiae Status: Granted formal amicus curiae status by the Michigan Court of Appeals, CPAN participated in oral arguments and continues to advocate for survivors' constitutional rights against insurance company overreach. See CPAN’s amicus activity.
Transparency Litigation
Opening MCCA Records: CPAN filed and argued a lawsuit against the Michigan Catastrophic Claims Association (MCCA) to open its records to public scrutiny, demanding transparency in how catastrophic claim surcharges are calculated.
Regulatory Challenges: We challenge state insurance regulators when they misinterpret court decisions or fail to protect consumer interests, including successful challenges to DIFS bulletins that favored insurance companies over survivors.
Through strategic litigation and expert legal advocacy, CPAN ensures that Michigan's courts understand the real-world impact of auto insurance law on the consumers who depend on it most.