Silent Crash

Silent Crash

In the dark of night, a piece of legislation was signed into law on Mackinac Island last year. On July 2, 2021, it took effect - to the devastation of thousands. PA 21 gutted no-fault auto insurance - the program that Michigan drivers have paid into since 1973. If a Michigan driver was in a catastrophic car accident and needed ongoing medical care past what the initial insurance covered, that fund paid for it. For life. It's a promise Michigan made to its paying citizens. This isn't tax money. It's money those drivers paid into the fund through their insurance companies. WITH PA21, MICHIGAN SURVIVORS OF CATASTROPHIC AUTO CRASHES SUDDENLY GOT THEIR BENEFITS CUT BY A WHOPPING 45%. That’s 45% less in services they need to survive. It also limited the hours that these survivors can get care to 56 hours per week. That's one caregiver, eight hours per day instead of the team of round-the-clock medical professionals needed to sustain life. So far, 41 provider businesses have had to close their doors. They can't provide care at these new rates. More are closing every week. Survivors are being dropped off in Michigan emergency rooms and nursing homes by family members who are desperate to keep them alive and well. Two have already died. Senator Mike Shirkey says he wants to "wait and see what happens" before doing anything to reverse breaking the promise of care that Michigan drivers paid for since 1973. The fund has $23 billion in it. There's plenty of money. This care didn't need to be cut. But cut it they did. And now people are suffering. Some are dying. It has to be fixed now. So we're getting loud. You can help. Follow or subscribe to the Silent Crash podcast. Rate it. The more who do that, the more those legislators know that the Silent Crash they caused is becoming a roar that will not be ignored. Our lives depend on it. Silent Crash: The Quiet Unraveling of Michigan's Auto No-fault and the Destruction of Lives is a production of the 1C Story Network.


May 4, 2022 28 min
Rebeca has a heart to heart with the audience about where we've been, why we had a three month hiatus in the show, the events that have transpired since, and where things can and may go next.

As always, we thank you for your support for the continued production of this show through the Silent Crash GoFundMe, which can be found at
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After 17 weeks of digging, interviewing, and researching, Rebeca shares what she found: the story beneath the story of PA21 and 22. It turns out, the reason appears to not only be well-intentioned, but also brings with it a true opportunity for a solution.

Link to References:
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February 18, 2022 47 min
What do you want your legislator to do regarding the no-fault reform legislation? Rebeca asks that of you, and of Joe Richert, owner of a rehabilitation facility heavily hit by PA21 and 22.
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February 14, 2022 13 min
Rebeca shares how some personal life circumstances prompted reminders and reflections to apply during the intense experience of investigating PA21 and 22.
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February 4, 2022 40 min
Two men from Detroit played a powerful role in the auto no-fault reform legislation, saying they did so to make things better there. So, how has Detroit fared? And do those men even care? We went straight to Motor City citizens to find out.
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January 29, 2022 59 min
Representative Phil Green introduced HB5698 this week, a legislative attempt to mitigate some parts of PA21 and 22. Rumors immediately flew about the bill and its contents. Rebeca sat down with Rep. Green for a frank discussion. He shared why he is making this attempt despite Republican leadership’s opposition to reform, his preferences for how the bill gets handled from here, what payment reforms are in his bill, and why he isn’t ...
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January 26, 2022 24 min
On a frozen January morning, we joined hundreds of patients, caregivers, and others impacted by PA21 and 22 who gathered at the Capitol in Lansing. They came to share their stories of losing care, jobs, joy, homes, hope, and, in some instances, life itself.

If you have personal experiences, knowledge, or tips to share, please email them to the show's co-producer, Rebecca Bond-Tucker.
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January 7, 2022 9 min
PA21 and 22 have spawned foreseeable medical emergencies all across Michigan, including death. Today, we tell you of one about to unfold. Meet Kelley.
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January 2, 2022 61 min
Through a conversation with attorney George Sinas, Rebeca explores the history, present, and potential future of auto no-fault in Michigan.
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December 21, 2021 44 min
Accident survivor and UP resident Shannon Perkins is hitting the road for a 1,100 mile round trip to the hospital. Her partially amputated leg needs surgery. The journey she’s enduring due to PA21 and 22, though, makes the surgery the easier part.
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The second half of Rebeca’s discussion with Dr. Owen Perlman contains information about how and why PA21 and 22 were passed as well as insight into the everyday experience of caregivers. Thoughts about a bill currently being written in the House to “reform the reform” are also shared.
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December 6, 2021 52 min
Today we share a precious note from a patient (who has been impacted by PA21 and 22) to his mom on Thanksgiving. Then, Dr. Owen Perlman gives incredible insight into how auto no-fault reform is causing a crisis in care across Michigan.
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November 24, 2021 4 min
Wishing all of our listeners and supporters a very Happy Thanksgiving from the Silent Crash family.
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November 20, 2021 34 min
As she looks into the individuals who championed PA21 and PA22 into existence, Rebeca finds a striking lack of scandal…until she listens to a sermon. With a hope that it truly IS never too late to stand for what's right, we bring you Episode 5 of “Silent Crash.”
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November 14, 2021 53 min
While researching for the next deep dive episode, Rebeca is told of a recent Republican Senate Caucus meeting and the lies that were shared therein. She pauses to address the falsehoods by, among other things, sharing the discussions she had with Chalise and Karen.
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November 8, 2021 65 min
Did the 23rd richest person in the world have something to do with the changes to Michigan’s auto no-fault law? And, if so, why? We’ve been doing what you recommended: following the money. And we found some…interesting… details.

We also met a war veteran whose story makes the catastrophe unfolding in Michigan all too real. He is one of the 18,000 whose lives have been thrown into chaos by PA21 and PA22. Maybe the first man could ans...
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November 1, 2021 23 min
Tricia sits down with me to share how the reforms have impacted her and her son Jake. We also respond to Gov. Whitmer’s statement today that $5 billion of the $23 billion MCCA fund be returned to citizens.
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October 26, 2021 25 min
Something Sinister Lurks in Michigan.
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October 6, 2021 7 min
In the dark of night, a piece of legislation was signed into law on Mackinac Island last year. On July 2, 2021, it took effect - to the devastation of thousands.

Silent Crash details the stories of the quiet unraveling of Michigan's Auto Nofault and the Destruction of Lives.
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