A late-night vote last night in Lansing shot down the bill to lower car insurance rates.

Michigan is one of 12 states that has no-fault insurance laws, which will pay for your medical expenses, wage loss benefits, replacement services and the damage you do to other people's property, regardless of who caused the accident. For a lot of people, their monthly auto insurance premium is more than their car payment.

Personally, as somebody who's lived in other states, I can tell you that my car insurance tripled when I moved to Michigan.

Lawmakers in Lansing had been talking about this for a while, and were right on the cusp of passing a bill that would lower our insurance premiums...and they voted against it. They claimed that the latest version of the bill gave insurance companies too much freedom to manipulate the system.

So, for now, our rates will stay the same. Boooooooo.