No-fault/Personal Injury Protection (PIP) laws are a prime example of the danger posed by the substitution of free market mechanisms for government mandates. In states with PIP laws on the books, the costs of insurance premiums are skyrocketing and rampant fraud and abuse of the system is to blame. PIP laws were put in place to protect the consumer but in states like Florida, consumers are faced with ever increased premiums to account for the impact of fraud on the system.

The cost of auto insurance in Michigan is higher than almost any other state, and the reason is a broken system desperately in need of reform. This week, Michigan's House of Representatives is voting on a bill, HB 4936, which will reform current system by giving consumers more choice and more control over the amount of coverage they seek.

Below is a list of the key House members whose support is needed on HB 4936.

Michigan’s no-fault auto insurance system is broken.  As a result, consumers pay among the highest rates in the nation, and rates have been rising faster in Michigan than in any other state, according to the Insurance Information Institute.

Moral and Legal Authority

Convinced that the people are the only safe depositories of their own liberty, and that they are not safe unless enlightened to a certain degree, I have looked on our present state of liberty as a short-lived possession unless the mass of the people could be informed to a certain degree.

--Thomas Jefferson to Littleton Waller Tazewell, 1805.

Pledge to Vote YES on Issues 2 & 3

Yesterday, the Senate Judiciary Committee held a hearing that examined the constitutionality of the ObamaCare individual mandate.  The hearing came only days after a federal judge in Florida ruled that President Obama's landmark healthcare overhaul is unconstitutional.  The <a href="http://online.wsj.com/public/res

This past Monday, a federal judge in Florida ruled that President Obama's landmark healthcare overhaul is unconstitutional.  As I predicted in my 8 part examination of the law's constitutionality, Judge Roger Vinson stated that the individual mandate contained within the legislation is outside Congress’ <A href="http://www.freedomworks.org/blog/mclemente/the-constit

FreedomWorks recently published my 8 part series of blogs entitled The Constitutionality of Obama's Mandate.  In the series, I examine whether or not the individual mandate included in the Democrats' government overhaul of the American health care system is constitutional.  In&

In the first 7 installments of this 8 part series examining the constitutionality of the health care mandate (Blog 1, Blog 2, Blog 3, Blog 4, <A href="http:/

In the first 5 installments (Blog 1, Blog 2, Blog 3, Blog 4,