Matt Coffey, is an attorney with 26 years of state wide practice in the areas of auto negligence, insurance defense, creditors rights and commercial litigation. Only One Auto Insurance Reform Plan Worth Pursuing HB 5013, sponsored by Rep. Lana Theis, R-Brighton, has a clear and consistent goal: Reduce the costs of insurance for Michigan drivers. It lets drivers choose a lower level of coverage and receive a discount on their premium. It limits what medical providers can charge insurers for certain services. will reduce premiums, competing reform bills may increase them.