For its focal points this text takes (a) the least form of state-mandated automobile insurance in... more For its focal points this text takes (a) the least form of state-mandated automobile insurance in Michigan, the no-fault policy; plus (b) the notoriously unaffordable cost to consumers of no-fault insurance in Detroit; plus (c) the low-ball estimate that 50% of motorists whose vehicles are registered in Michigan's urban areas drive without auto insurance, as compared to 16% statewide; plus (d) Detroit is the largest urban city in Michigan, Detroit also happens to be the largest U.S. city in which a majority of the population identifies as Black. With these four focal points set briefly in context, I have sought to evaluate Michigan's no-fault law in terms of its disparate impact to the detriment of Black Americans.
For its focal points this text takes (a) the least form of state-mandated automobile insurance in... more For its focal points this text takes (a) the least form of state-mandated automobile insurance in Michigan, the no-fault policy; plus (b) the notoriously unaffordable cost to consumers of no-fault insurance in Detroit; plus (c) the low-ball estimate that 50% of motorists whose vehicles are registered in Michigan's urban areas drive without auto insurance, as compared to 16% statewide; plus (d) Detroit is the largest urban city in Michigan, Detroit also happens to be the largest U.S. city in which a majority of the population identifies as Black. With these four focal points set briefly in context, I have sought to evaluate Michigan's no-fault law in terms of its disparate impact to the detriment of Black Americans.
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