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Brian Woodward was more active than most people who can use their feet, friends used to say. With the help of caregivers who allowed him to navigate life with quadriplegia, the 62-year-old Detroiter was a hunter, fisherman, chorister and regular churchgoer. He did everything he wanted. That was before this summer, when the latest round of reforms to Michigan s no-fault insurance law took effect. As of July 1, insurance companies pay less for routine, residential care services that people injured in crashes often depend on. It upended the state s home health and rehabilitation industries. As politicians debate stopgaps, health care providers grapple with cut rates and insurance companies ask for patience, Michigan s crash victims say they remain stuck with few options and fewer answers about the future of their care.

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