Many drivers in Detroit find it tough to pay their auto insurance premiums, which are the highest in the nation at more than $5,000 a year for full coverage.
So thousands of people in the Motor City risk getting behind the wheel without insurance. Locals call it "driving dirty."
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Now Mayor Mike Duggan is trying to do something about the high insurance costs based on concerns that they are deterring new residents and investment from coming to Detroit as it rebuilds after emerging from bankruptcy last year.
The high insurance costs come largely from a Michigan law requiring auto policies to have expensive unlimited lifetime personal-injury protection.
The mayor wants to cap the amount of medical care that car insurance must pay for when accidents happen.