CPAN Celebrates Third Anniversary of Andary Decision That Restored Care for 17,000, Calls for Protections for All Michigan Drivers
LANSING, Mich.--(July 31, 2026)--On today’s three-year anniversary of the Michigan Supreme Court’s landmark Andary v. USAA decision, CPAN is recognizing the difference it made in thousands of lives while calling on lawmakers to renew their efforts to extend protections to those injured after the 2019 auto insurance reform law took effect.
In its July 31, 2023 decision, the Court ruled that the benefit cuts enacted in Michigan's 2019 auto insurance law could not be applied retroactively, restoring care for more than 17,000 people who had been injured before the law took effect.
“For thousands of Michigan families, the Andary decision meant that the care they were promised was again protected,” said Margaret Kroese, CPAN Board Chair. “Survivors that had experienced reductions in their physical and occupational therapy, in home nursing, and reimbursable family provided home care, had their previous legal rights restored. Providers caring for such patients were also protected from oppressive reimbursement rates that would have jeopardized patient access to needed care. Today, we celebrate that victory while acknowledging that there is still much work to be done.”
While the Andary decision protected survivors injured before June 11, 2019, it did nothing for the Michiganders injured after that date. Those survivors remain subject to the same fee schedule and the same caps that the 2019 law created, meaning the care crisis it produced has just begun for them.
"We are proud of what Andary accomplished, but too many crash survivors are still suffering under the restraints of the reform law and cannot access the care they need," Kroese said. "Every day, Michiganders are catastrophically injured and discover that the coverage they bought won't pay enough to access the care they need. We are calling on lawmakers to take action and ensure every Michigan driver is protected.”
The 2019 law cut reimbursement for long-term care by roughly 45%, along with a 56-hour weekly cap on care provided by family members. As those cuts took hold, rehabilitation providers and home care agencies closed, and survivors lost access to care they depended on. The Andary decision reversed that harm for anyone injured under a policy purchased before June 11, 2019.