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An insurers’ trade group has accused Michigan’s governor of playing destructive election politics by proposing an insurance reform package that includes a 20 percent rate cut and a ban on credit record use to rate consumers as risks.

The National Association of Mutual Insurance Companies’ blistering criticism came after Michigan Gov. Jennifer Granholm and Democratic legislators on Monday announced a package of 20 insurance measures, addressing “rates, consumer protection and industry accountability” for all insurance lines.

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