We've talked about auto insurance reform in Michigan a few times on this show.

I can remember back to a beautiful day on the porch of the Grand Hotel on Mackinac a little over a year ago, when I was with Governor Gretchen Whitmer and our legislative leaders who were hailing a deal that was supposed to save Michiganders money - which is a top concern among residents as we in Detroit and statewide pay the most for vehicle insurance in the nation.

At the time, there was a lot of excitement by media pundits and politicians, mostly repeating talking points without really looking into the numbers. Lots of back-patting.

Now that the reform has taken effect, it's a confusing mess. What coverage should people get? You might pay less on your auto insurance, but more with health insurance.

And the reforms for equity? Sure, insurance companies can't use zip codes, but they can use territories to define your rates. They can't use your credit score per se, but they can use your credit report.

And depending on your specific situation, your choices are going to be different.

So Attorney Todd Berg of Michigan Auto Law joins me to unpack this. The firm has been ranked by U.S. News and World Report as among the Best Law Firms in America in the practice area of Personal Injury Litigation for Plaintiffs.