Free Press report: Why does auto insurance in Detroit cost so much?

May 07--Detroit drivers face the highest average insurance rates for cars and other vehicles in the country, often more than $3,000 a year for a single automobile.

A Detroit Free Press investigation finds that runaway medical bills, disability benefits payouts and lawsuits under Michigan's one-of-a-kind, no-fault insurance system play a key role in driving up costs for drivers.

Find out what's behind the high cost of auto insurance in Detroit -- and what steps could be taken to help fix the problem.

Day 1: The faults in no-fault

* How aggressive lawyers, costly lawsuits and runaway medical bills make Detroit car insurance unaffordable.

* No-fault insurance in Michigan: Here's how it works.

* 6 other factors behind the high cost of Detroit auto insurance.

* Why Michigan has -- and keeps -- no-fault insurance.

* To a paralyzed woman who needs lifetime care, no-fault benefits are priceless.

Day 2: 'Are you hurt?' The solicitation of accident victims

COMING MONDAY

* How some lawyers and medical clinics snag their clients -- and drive up auto insurance costs.

* Fed up with no-fault fraud in Metro Detroit, insurers turn to racketeering lawsuits.

Day 3: Possible solutions for no-fault costs

COMING TUESDAY

* How can we make auto insurance in Detroit more affordable?

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