It's as simple as costs passed on to insurance companies are passed on to consumers:

*Recent increased liability for med claims before MCCA kicks in
*Recent MI Supreme court ruling that the threshold established by the No-Fault laws to bring a lawsuit was unconstitutional [[See Joumana Kayrouz profile in the MT).
*After the affordable care act, almost all Health insurance cos. have eliminated coverage for accident related injuries -- in Michigan -- passing the cost off to auto insurers
*Higher than average disability claims in SE MI

The "inadvertant tax break," if revoked, will also be passed on to consumers. For kicks -- pick an address on the outskirts of Grand Rapids and have your agent quote a rate: Some companies are half as much, that side.