Introduction:Insurance Redlining is a hot topic in Detroit. However, it seems that there is plenty of talk on this issue, but limited action. In discussions, particpants are told that we have higher insurance rates because of this or that. We know that Michigan is the only NoFault State. We know that the Detroit area has some of the highest insurance rates in the state. We know that The Consumer Protection Act has been weakened. We also know the following:The Senate Democratic Caucus announced the formation of its Consumer Protection Task Force. Chaired by senators Gilda Z. Jacobs (D-Huntington Woods) and Martha G. Scott (D-Highland Park), the task force has held hearings across the state taking testimonies on insurance reform. The two state senators have said;