6 News has learned that Senate Republicans are poised to introduce a no-fault car insurance rate reduction package.

But Democrats got none of what they wanted in the proposal. 

The House and Senate Republican leaders announced that fixing the no-fault car insurance system was their top priority as they have heard the complaints about outrageous car insurance rates.

But the proposal Senate Republican leader Mike Shirkey will introduce is missing many of the elements Democrats have demanded.

Democrats want to lower health care costs under no-fault by ordering a fee schedule for services.

“I don’t like fee schedules at all,” insists Sen. Mike Shirkey

Democrat State Rep. Sherry Gay-Dagnogo says health care costs should be the same for everyone.

“But once we do that, make sure those savings are transferred to the drivers.”

Which is why the Democratic governor and her colleagues want a guarantee written into the package that insurance company will lower their costs.

But Republicans oppose state-ordered mandates but want competition in the market system to drive the costs down.

State Rep. Triston Cole says, “by mandating we’re going to get one number but if we let the private sector work this out through competition see actually get a larger number.”

State Rep. Christine Greig: “We should have some kind of guarantee.”

Skubick: “You don’t trust the insurance companies?”

Rep. Greig:  “I do not.”

The Senate Republican leader wants to produce savings by allowing motorists to get rid of their current  mandatory catastrophic.

But Republican L. Brooks Patterson, himself a victim of a catastrophic accident argues, if drivers don’t have unlimited coverage, they could be financially buried if they are seriously injured.

Republican State Rep. Graham Filler counters, giving motorists a choice is working elsewhere.

“Choice is one of those easy, make sense ideas that has tremendous support in the Republican caucus.”

So how does Rep. Filler respond to the Patterson claim that drivers could go bankrupt?

“Brooks says a lot of things. He is wrong on this. This works in tons of other states.”

Look for Mr. Shirkey to introduce this plan as early as next week.