Well, it was a nice dream while it lasted. A plan introduced in Lansing in September to lower Michigan's exorbitant car insurance rates was defeated by lawmakers Thursday (11/3).

House Bill 5013 would have given Michigan motorists the option to not buy no-fault insurance which pays for unlimited medical benefits. Michigan is one of only 12 US states that require such coverage, resulting in auto insurance premiums that are routinely among the highest in the country.