The Mackinac Center for Public Policy, a self-proclaimed research and educational institute based in Midland, Michigan, has issued an opinion calling Michigan's no-fault auto insurance law a failure.

"Michigan drivers pay a hefty premium for no-fault protection but don't really benefit from it," the opinion said. "It's time to admit that our no-fault auto insurance system has largely failed," attorney Matt Coffey and Mackinac Center Director of Public Policy Michael Van Beek said.

Van Beek tells 95.3 WBCK the system is one of the most expensive in the U.S. because of the unlimited personal injury protection in Michigan, which is one of few states that offer such coverage in the event of a debilitating crash.

Van Beek said the no-fault system was set up largely to limit litigation, but after many years, it really has not done that.

He encourages motorists to nudge lawmakers to address the issue, which has been hinted at various times in the legislature, but has gone nowhere.

Click the player below to hear him explain it.

Hear The Richard Piet Show weekday mornings from 5:30-9 on 95.3 WBCK.

More From WBCKFM