insurance reform

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A Detroit lawmaker thinks he has the answer to that city’s high rate of uninsured drivers.

State Senator Virgil Smith wants to create a pilot program that would allow Detroit drivers to sign up for bare-bones insurance policies with reduced rates. The idea is to cover medical costs up to $50,000 a person, or $100,000 an accident. Right now, the state’s no-fault law requires unlimited personal injury coverage. Smith says that’s hampered efforts to reduce urban insurance rates.