The state’s no-fault car insurance law went into effect Oct. 1, 1973.

Held up as a national model, the mandate was created to keep insurance rates down and ensure that a driver’s own insurer covered medical costs and lost wages quickly, no matter whose fault the accident was.

Although lawsuits were limited, motorists were entitled to lifetime medical coverage.

In years since, motorists have complained of too-high insurance premiums, and insurance companies have whined about ever-increasing medical costs.

The National Association of Insurance Commissioners found that Michigan has the 12th-highest average car insurance premium.

Currently, Michigan is one of 12 no-fault states — and it has the best medical benefits in the United States, according to the Insurance Institute of Michigan.

Found here.