'This is just starting to crumble all around us': No-fault auto reform cutting off patients' access to medical care The most recent portion of Michigan's no fault auto reform law went into effect on July 2, 2021 and last updated 2021-08-04 19:57:12-04 LANSING, Mich. â Advocates for survivors of catastrophic auto crashes have for months warned that Michigan's no-fault auto reform law would negatively impact access to medical care many of them need to survive. With the most recent portion of Michigan's no-fault auto insurance law going into effect on July 2, insurance companies don't have to reimburse care providers the way they had been.